[STOKES & HINDS, LLC LETTERHEAD]

                        INDEPENDENT ACCOUNTANTS' CONSENT



The Board of Directors
Reserve Bancorp, Inc.
Pittsburgh, Pennsylvania


         We consent  to the  incorporation  by  reference  in this  Registration
Statement of Reserve  Bancorp,  Inc. on Form S-8 of our report dated November 8,
2002,  incorporated  by reference in the Annual Report on Form 10-KSB of Reserve
Bancorp, Inc. for the year ended September 30, 2002.




                                                     /s/Stokes & Hinds, LLC
                                                     ----------------------
                                                     Stokes & Hinds, LLC





May 19, 2003

Pittsburgh, Pennsylvania