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                                                                    EXHIBIT 23.1



                      Consent of PricewaterhouseCoopers LLP


         We consent to the inclusion in Registration Statement (Form S-4) of our
report dated February 24, 1999, on our audit of the consolidated financial
statements of Maple Leaf Financial, Inc. and subsidiaries. We also consent to
the reference to our firm under the caption "Experts."

/s/ PricewaterhouseCoopers LLP


Cleveland, Ohio
April 16, 1999