CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



We consent to the use in this Registration  Statement on Form S-1 filed with the
Securities  and Exchange  Commission  and Form H-(e)1-S filed with the Office of
Thrift  Supervision  on July 22,  2005 of our report  dated June 10, 2005 on the
financial  statements  of ASB Holding  Company for the year ended  September 30,
2004. We also consent to the references to us under the headings "Effects of the
Conversion  on  Depositors,  Borrowers  and  Members",  "Federal  and  State Tax
Consequences of the Conversion",  "Legal and Tax Opinions" and "Experts" in this
Registration Statement on Form S-1 and Form AC and H-(e)1-S.


                                        /s/ Crowe Chizek and Company LLC

                                        Crowe Chizek and Company LLC



Livingston, New Jersey
June 22, 2005