CONSENT OF INDEPENDENT ACCOUNTANTS



We consent to the incorporation by reference in the Registration Statement on
Form S-8 (No. 333-45134) of our report, dated January 25, 2002 on the
consolidated balance sheet of Chester Bancorp, Inc. as of December 31, 2001 and
2000 and the related consolidated statements of income, stockholders' equity,
comprehensive income and cash flows for the years then ended, appearing in the
Annual Report on Form 10-K for the year ended December 31, 2001.






Springfield, Illinois
March 22, 2002



                          INDEPENDENT AUDITORS' CONSENT

The Board of Directors
Chester Bancorp, Inc.:

We consent to incorporation by reference in the Registration Statement on Form
S-8 of Chester Bancorp, Inc. of our report dated January 28, 2000, relating to
the consolidated statements of income, stockholders' equity, comprehensive
income, and cash flows of Chester Bancorp, Inc. and subsidiaries for the year
ended December 31, 1999, which report appears in the December 31, 2001 annual
report on Form 10-K of Chester Bancorp, Inc.





St. Louis, Missouri
March 22, 2002