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                                  EXHIBIT 23.1


                       Consent of Independent ACCOUNTANTS

We consent to the incorporation by reference of our report dated July 19, 2001
on the consolidated financial statements of Peoples Savings Bank of Troy, as of
June 30, 2001 and for the year then ended which report and financial statements
are contained in the Registration Statement on Form S-4.




                                                     /s/ BKD, LLP
                                                     ---------------------------
                                                         BKD, LLP



Cincinnati, Ohio
August 28, 2001