Exhibit 23.2



INDEPENDENT AUDITORS' CONSENT

We consent to the use in this Registration Statement of Delaware First Financial
Corporation on Form SB-2 to be filed with the Securities and Exchange Commission
and Form AC to be filed with the Office of Thrift  Supervision  of our report on
Ninth Ward Savings Bank,  FSB dated March 7, 1997,  (May 21, 1997 as to Note 10)
appearing in the Prospectus, which is part of this Registration Statement.

We also  consent to the  reference  to us under the heading  "Experts"  in such
Prospectus.



/s/___________________

DELOITTE & TOUCHE LLP
Philadelphia, PA

September 24, 1997