EXHIBIT 24.3

                         [KELLER & COMPANY LETTERHEAD]

April 7, 1997



Re:      Valuation Appraisal of Montgomery Financial Corporation
         Montgomery Savings, A Federal Association
         Crawfordsville, Indiana


         We hereby  consent  to the use of our  firm's  name,  Keller & Company,
Inc., and the reference to our firm as experts in the Application for Conversion
on Form AC to be filed by Montgomery  Savings,  A Federal  Association  with the
Office of Thrift  Supervision and the  Registration  Statement on Form S-1 to be
filed by  Montgomery  Financial  Corporation  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 in the Prospectus,  in the
said Form AC and in the said Form S-1 and any amendments thereto.

Very truly yours,

KELLER & COMPANY, INC.



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