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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

   
July 23, 1996
    

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

   
         We hereby consent to the statements with respect to us and the
references to our Valuation Appraisal Report in the Prospectus and in
Pre-Effective Amendment No. 2 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