1

                                                                    Exhibit 23.1

                             [SNODGRASS LETTERHEAD]


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


                          INDEPENDENT AUDITOR'S CONSENT

We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated January 7, 1997, except for Note 14, which is March 26,
1997, on the consolidated financial statements of Bridgeport Savings and Loan
Association, to the Registration Statement (Form S-1), Application for
Conversion (Form AC), and related Prospectus, and any amendments thereto, of
Ohio State Financial Services, Inc.


/s/ S.R. Snodgrass, A.C.

Wheeling, West Virginia
July 31, 1997