1 EXHIBIT 23.3 VORYS, SATER, SEYMOUR AND PEASE 221 East Fourth Street, Suite 2100 Atrium II P.O. Box 0236 Cincinnati, OH 45201-0236 (513) 723-4000 (513) 723-4056 (Fax) CONSENT Board of Directors Columbia Federal of Kentucky, Inc. 2497 Dixie Highway Ft. Mitchell, Kentucky, 41017-3085 Ladies and Gentlemen: We hereby consent to the use of our firm's name in the Registration Statement on Form S-1 (the "Form S-1"), including all amendments thereto, filed by Columbia Financial of Kentucky, Inc. ("CFKY"), to register 2,671,450 common shares, without par value, of CFKY, pursuant to the Securities Act of 1933; to the statements with respect to our firm appearing under the heading "Legal Matters" in the Prospectus which is included in the Form S-1; to the reference to our firm name under the heading "Principal Effects of the Conversion" in the Prospectus which is included in the Form S-1; and to the filing of our opinion regarding the legality of the common shares, included as Exhibit 5 to the Form S-1, and our opinion regarding federal and state tax matters, included as Exhibit 8.1 to the Form S-1. Very truly yours, /s/ VORYS, SATER, SEYMOUR AND PEASE Cincinnati, Ohio December 16, 1997