EXHIBIT 23.1




                           CONSENT OF PEABODY & BROWN


The Boards of Directors
Ninth Ward Savings Bank, FSB
Delaware First Financial Corporation


         We  hereby  consent  to the use of our  firm's  name in the Form  SB-2,
Registration Statement,  and Amendments thereto as filed with the Securities and
Exchange  Commission  by  Delaware  First  Financial   Corporation  and  to  the
references to our opinion therein under the heading "Legal and Tax Matters."



                                           /s/
                                           -------------------------------------
                                           Peabody & Brown

Washington, D.C.
September 23, 1997