EXHIBIT 23

                         CONSENT OF INDEPENDENT AUDITORS










                        CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in the Registration Statement (Form
S-8 No.  33-70448)  pertaining to the First  Shenango  Bancorp,  Inc. 1993 Stock
Option Plan,  First Federal  Savings Bank of New Castle  Management  Stock Bonus
Plan, and First Federal Savings Bank of New Castle Directors Stock Bonus Plan of
First Shenango Bancorp,  Inc. of our report dated February 6, 1998, with respect
to the  consolidated  financial  statements  of  First  Shenango  Bancorp,  Inc.
incorporated  by reference  in the Annual  Report (Form 10-K) for the year ended
December 31, 1997.




                                           /s/ Ernst & Young LLP


Pittsburgh, Pennsylvania
March 24, 1998