EXHIBIT 23

                         CONSENT OF EXPERTS AND COUNSEL







               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Leeds Federal Bankshares, Inc.:

We consent to the  incorporation  by  reference  in the  Registration  Statement
(No.333-44899) on Form S-8 of Leeds Federal Bankshares, Inc. of our report dated
August 2,  2002,  except  for note 18 as to which the date is August  28,  2002,
relating to the consolidated  statements of financial condition of Leeds Federal
Bankshares,  Inc.  and  subsidiary  as of June 30, 2002 and 2001 and the related
consolidated  statements  of  income  and  comprehensive  income,  stockholders'
equity, and cash flows for each of the years in the three-year period ended June
30, 2002,  which report  appears in the June 30, 2002 Annual Report on Form 10-K
of Leeds Federal Bankshares, Inc.



                                               /s/  KPMG LLP


Baltimore, Maryland
September 27, 2002