Exhibit 23.2
                    Consent of Crowe, Chizek and Company LLP







              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 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 -- 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
November 8, 2000