March 11, 2004

Board of Directors
SE Financial Corp.
St. Edmond's Federal Savings Bank
1901-03E. Passyunk Avenue
Philadelphia, PA 19148


Dear Board Members:

We  hereby  consent  to  the  use of  our  firm's  name,  FinPro,  Inc.,  in the
Application  for  Conversion on Form AC of St.  Edmond's  Federal  Savings Bank,
Philadelphia,  Pennsylvania, and any amendments thereto, and in the Registration
Statement on Form SB-2 and any amendments thereto filed by SE Financial Corp. We
also hereby  consent to the use of our firm's name and the inclusion of, summary
of,  and  references  to our  Appraisal  Report in such  filings  including  the
Prospectus, the Form SB-2 and Form AC .


                                    Very Truly Yours,



                                    /s/ FinPro, Inc.

                                    FinPro, Inc.