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                                                                    Exhibit 23.2

                             KELLER & COMPANY, INC.
                              555 Metro Place North
                                    Suite 524
                               Dublin, Ohio 43017
                                 (614) 766-1426
                                 (614) 766-1459


June 26, 1996

Re:  Valuation Appraisal of Peoples Financial Corporation/
        Peoples Savings and Loan Association of Massillon
        Massillon, Ohio

         We hereby consent to the use of our firm's name, Keller & Company,
Inc., and the reference to our firm as experts in Amendment No. 1 to the
Application for Approval of Conversion on Form AC to be filed with the Office of
Thrift Supervision on or about June 26, 1996, and to the statements with respect
to us and the references to our Valuation Appraisal Report in the Prospectus and
in Amendment No. 1 to the Form AC and Pre-Effective Amendment No. 1 to the Form
S-1 to be filed with the Securities and Exchange Commission.

Sincerely,

KELLER & COMPANY, INC.



By /s/ Michael R. Keller
  ----------------------
      Michael R. Keller
      President