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



         We consent  to the  incorporation  by  reference  in this  Registration
Statement of PHSB Financial  Corporation on Form S-8 of our report dated January
11,  2002,  appearing  in the  annual  report on Form  10-KSB of PHSB  Financial
Corporation for the year ended December 31, 2001.



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




Wexford, Pennsylvania
January 15, 2003