CONSENT OF INDEPENDENT AUDITORS
                         -------------------------------





We  hereby  consent  to the  use in the  Prospectus  constituting  part  of this
Registration Statement on Form SB-2 of our report dated January 12, 2001, except
as to the third and fourth  paragraphs of Note 17 as to which the date is August
16, 2001, relating to the consolidated financial statements of PHS Bancorp, Inc.
and  Subsidiary,  which  appears  in such  Prospectus.  We also  consent  to the
reference to us under the headings "Experts" in such Prospectus.


/s/ S.R. Snodgrass, A.C.


Wexford, Pennsylvania
September 6, 2001