CONSENT OF INDEPENDENT AUDITORS



We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-63457 on Form S-8 of FSF Financial Corp. 1998 Stock Compensation Plan of our
report dated  October 31, 2003  appearing in this Annual  Report on Form 10-K of
FSF Financial Corp. for the year ended September 30, 2003.

                                           /s/Crowe Chizek and Company LLC

                                           Crowe Chizek and Company LLC

Oak Brook, Illinois
December 17, 2003