Exhibit No. 23.2








Board of Directors
First Federal Savings and Loan Association
  of Sistersville
726 Wells Street
Sistersville, West Virginia 26175




                          INDEPENDENT AUDITOR'S CONSENT

     We consent to the reference to our firm under the caption  "Experts" and to
the  use  of our  report  dated  May 2,  1996,  on  the  consolidated  financial
statements of First Federal Savings and Loan Association of Sistersville, to the
Registration  Statement (Form S-1),  Application  for Conversion  (Form AC), and
related Prospectus, and any amendments thereto, of Sistersville Bancorp, Inc.




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


Wheeling, West Virginia
April 25, 1997