1 EXHIBIT 23 CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS We consent to the incorporation by reference in the Registration Statement on Form S-8 of Columbia Financial of Kentucky, Inc., filed on August 20, 1999, of our report dated November 2, 1999, on the 1999 Consolidated Financial Statements of Columbia Financial of Kentucky, Inc. /s/ VonLehman & Company Inc. Fort Mitchell, Kentucky December 23, 1999