CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



We consent to the use in this Registration Statement on Form SB-2 filed with the
Securities  and Exchange  Commission and Form AC filed with the Office of Thrift
Supervision  on September 8, 2000, of our report dated February 24, 2000, on the
financial  statements of Lawrence  Federal  Savings Bank as of and for the years
ended  December 31, 1999 and 1998.  We also consent to the reference to us under
the  headings  "The  Conversion  - Effects  of  Conversion  to Stock  Form - Tax
Effects," "Legal and Tax Opinions," and "Experts" in this Registration Statement
on Forms SB-2 and AC.


                                              /s/Crowe, Chizek and Company LLP

                                              Crowe, Chizek and Company LLP

Columbus, Ohio
September 7, 2000