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                                  June 19, 1997


Board of Directors
Bridgeport Savings and Loan Association
435 Main Street
Bridgeport, Ohio  43912


Gentlemen:


We hereby consent to the use of our firm's name in the Application for
Conversion of Bridgeport Savings and Loan Association, Bridgeport, Ohio, and any
amendments thereto, in the Form S-1 Registration Statement for Ohio State
Financial Services, Inc., and any amendments thereto, and in the Form AC for
Bridgeport Savings and Loan Association, and any amendments thereto. We also
hereby consent to the inclusion of, summary of and references to our Appraisal
Report and our statement concerning subscription rights in such filings
including the Prospectus of Ohio State Financial Services, Inc.

                                                     Very truly yours,

                                                     RP FINANCIAL, LC.

                                                     Gregory E. Dunn
                                                     Senior Vice President