EXHIBIT 23.2

                         CONSENT OF S.R. SNODGRASS, A.C.





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

               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS





We consent to the incorporation by reference in this  Registration  Statement on
Form S-8 of Advance  Financial  Bancorp of our report dated July 21, 1998,  with
respect to the consolidated  financial  statements of Advance  Financial Bancorp
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 Advance Financial Bancorp
for the year ended June 30, 1998.

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

Steubenville, Ohio
March 17, 1999