EXHIBIT 23.2



HINDS, LIND, MILLER & CO.
A Professional Corporation
Certified Public Accountants

9401 McKnight Road                                          Phone (412) 364-6070
Pittsburgh, Pennsylvania 15237-6000                           Fax (412) 364-6176
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                         Consent of Independent Auditors


     We consent to the reference of our firm under the caption "Experts" and the
     use of our report dated August 21,  1996,  except as to the last  paragraph
     and Note S which are as of June 20, 1997, with respect to the June 30, 1996
     restated and June 30, 1995 consolidated financial statements of Workingmens
     Savings Bank, F.S.B. and Subsidiary included in Amendment No. 2 to Form AC,
     Amendment  No. 2 to the  Registration  Statement  (Form  SB-2) and  related
     Prospectus of WSB Holding Company.






         /s/ HINDS, LIND, MILLER & CO.
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         HINDS, LIND, MILLER & CO.












         Pittsburgh, Pennsylvania
         July 15, 1997