1 Exhibit 23.2 KELLER & COMPANY, INC. 555 METRO PLACE NORTH SUITE 524 DUBLIN, OHIO 43017 (614) 766-1426 (614) 766-1459 FAX February 11, 1998 We hereby consent to the use of our firm's name, Keller & Company, Inc., and the reference to our firm as experts in the Form S-1 to be filed by Columbia Financial of Kentucky, Inc. with the Securities and Exchange Commission and any amendments thereto, to the references in the Form S-1 and any amendments thereto to our opinion dated December 16, 1997, regarding the value of subscription rights to be granted to the depositors of Columbia Federal Savings Bank (the "Opinion") and to the filing of the Opinion as an exhibit to the Form S-1 and any amendments thereto. Very truly yours, KELLER & COMPANY, INC. /s/ Michael R. Keller - ----------------------- Michael R. Keller President