EXHIBIT 23.2


                     [LETTERHEAD OF S.R. SNODGRASS, A.C.] 


                         INDEPENDENT AUDITOR'S CONSENT


   
        We consent to the reference to our firm under the caption  "Experts" and
to the use of our report dated August 19, 1996, except for the subsequent events
as described in Note 17, which is as of September  30, 1996 on the  consolidated
financial  statements of Advance Financial Savings Bank, f.s.b., to Amendment #1
to the Registration  Statement (Form S-1), Application for Conversion (Form AC),
and related Prospectus of Advance Financial Bancorp.
    

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

Steubenville, Ohio

   
October 28, 1996