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 AC and  H-(e)1-S  filed with the
Office of Thrift Supervision on August 4, 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
August 3, 2005