INDEPENDENT AUDITORS' CONSENT


         We consent to the incorporation by reference in Registration  Statement
Nos. 333-67655 and 333- 84347 of Thistle Group Holdings,  Co. on Form S-8 of our
report dated February 1, 2002,  incorporated  by reference in this Annual Report
on Form 10-K of Thistle  Group  Holdings,  Co. for the year ended  December  31,
2001.




/s/DELOITTE & TOUCHE LLP

DELOITTE & TOUCHE LLP
Philadelphia, Pennsylvania
March 11, 2002