KELLER & COMPANY, INC.
                        FINANCIAL INSTITUTION CONSULTANTS
                              555 METRO PLACE NORTH
                                    SUITE 524
                               DUBLIN, OHIO 43017
                                 (614) 766-1426
                               (614) 766-1459 FAX




September 8, 2000



     Re:  Valuation  Appraisal of Lawrence  Financial  Holdings,  Inc.
          Lawrence Federal Savings Bank Ironton, Ohio


We  hereby  consent  to the use of our  firm's  name,  Keller  &  Company,  Inc.
("Keller"),  and the  reference  to our firm as experts in the  Application  for
Conversion  on Form AC to be  filed by  Lawrence  Federal  Savings  Bank and any
amendments thereto and references to our opinion regarding  subscription  rights
filed as an exhibit to the applications  referred to hereafter.  We also consent
to the use of our firm's name in the Form SB-2 to be filed by Lawrence Financial
Holdings,  Inc. with the Securities  and Exchange  Commission and any amendments
thereto,  and to the  statements  with respect to us and the  references  to our
Valuation  Appraisal  Report and in the said Form AC and any amendments  thereto
and in the notice and  Application  for Conversion  filed by Lawrence  Financial
Holdings, Inc.

Very truly yours,

KELLER & COMPANY, INC.



by: /s/ Michael R. Keller
   -----------------------
        Michael R. Keller
        President