Exhibit 23.1


                       CONSENT OF INDEPENDENT ACCOUNTANTS


     We consent to the incorporation by reference in the Registration Statement
on Form S-8 for Peoples Ohio Financial Corporation of our report dated August 8,
2002 on the consolidated financial statements of Peoples Savings Bank of Troy,
as of June 30, 2002 and 2001, and for the years then ended which report and
financial statements are incorporated by reference in the Annual Report on Form
10-K of Peoples Ohio Financial Corporation for the fiscal year ended June 30,
2002.




                                   /s/  BKD, LLP



Cincinnati, Ohio
October 22, 2002