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


We  hereby  consent  to the  use in the  Prospectus  constituting  part  of this
Pre-Effective  Amendment No. 1 to the Registration  Statement on Form SB-2 filed
with  the  Securities  and  Exchange  Commission,  and in the  Form  AC and  the
Application on Form H-(e)1-S filed with the Office of Thrift  Supervision of our
report  dated  December  12,  2003,  relating  to  the  consolidated   financial
statements of St.  Edmond's  Federal  Savings Bank and  Subsidiary for the years
ended  October 31, 2003 and 2002.  We also consent to the  reference to us under
the heading "Experts" in the Prospectus of this  Registration  Statement on Form
SB-2, and Form AC and Application H-(e)1-S.


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

Wexford, Pennsylvania
March 1, 2004