EXHIBIT 23.2

                      CONSENT OF STOKES KELLY & HINDS, LLC



               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


We consent to the incorporation by reference in this  Registration  Statement on
Form S-8 of WSB Holding  Company of our report  dated  September  1, 1998,  with
respect to the  consolidated  financial  statements  of WSB Holding  Company and
subsidiary  as of June 30,  1998 and  1997,  which  report  is  incorporated  by
reference in the Annual  Report on Form 10-KSB filed by WSB Holding  Company for
the year ended June 30, 1998.


                                        /s/Stokes Kelly & Hinds, LLC
                                        ----------------------------------------
                                        STOKES KELLY & HINDS, LLC

Pittsburgh, Pennsylvania

March 3, 1999