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




We hereby consent to the use in amendment II to 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
November 8, 2001