EXHIBIT 23.2

                           CONSENT OF NEFF & RICCI LLP




                        [LETTERHEAD OF NEFF & RICCI LLP]

                       CONSENT OF INDEPENDENT ACCOUNTANTS



Board of Directors
GFSB Bancorp, Inc.


         We consent to incorporation by reference in the registration  statement
(No. 333-07131) on Form S-8 of GFSB Bancorp,  Inc. of our report dated August 3,
2000,  relating to the  consolidated  statements of financial  condition of GFSB
Bancorp,  Inc.  as of June  30,  2000 and  1999,  and the  related  consolidated
statements  of earnings and  comprehensive  earnings,  changes in  stockholders'
equity and cash flows for the years ending June 30, 2000 and 1999,  which report
appears in the June 30, 2000 annual report on Form 10- KSB of GFSB Bancorp, Inc.




                                                     /s/ Neff & Ricci LLP
                                                     ---------------------------
                                                     Neff & Ricci LLP



December 5, 2000

Albuquerque, New Mexico