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                                                                    EXHIBIT 23.3

                 [MORRIS, NICHOLS, ARSHT & TUNNELL LETTERHEAD]

                               September 11, 1998







Muldoon, Murphy & Faucette
5101 Wisconsin Avenue, N.W.
Washington, DC  20016


Ladies and Gentlemen:

            We hereby consent to the filing of our opinion to you concerning
certain matters of Delaware law in connection with the subscription and
community offering (the "Offering") by Security of Pennsylvania Financial Corp.,
a Delaware corporation (the "Company"), of shares of its common stock, par value
$.01 per share, in draft or final form, as an exhibit to (i) the Registration
Statement filed with the Securities and Exchange Commission by the Company in
connection with the Offering, and all amendments thereto, and (ii) the
Application for Conversion filed with the Office of Thrift Supervision in
connection with the conversion of Security Savings Association of Hazelton, a
Pennsylvania chartered savings association, from the mutual form of ownership to
stock form of ownership, and all amendments thereto, and to the reference to
this firm in the "Legal Matters" section of the Prospectus relating to the
Offering.

                                          Very truly yours,

                                          /s/ MORRIS, NICHOLS, ARSHT & TUNNELL