Exhibit 24.2

                         Consent of Independent Auditors




         We hereby consent to the use in the OTS  Application to Convert on Form
AC and in the SEC  Registration  Statement on Form SB-2 of our report dated July
18,  1997,  relating  to the  consolidated  financial  statements  of Wyman Park
Federal Savings and Loan  Association for the two years ended June 30, 1997, and
the use of our name under the caption "Experts" in the Prospectus, which is part
of the OTS Application and the SEC Registration Statement.




                                                     /s/ Wooden & Benson



September 18, 1997
Baltimore, Maryland