Exhibit 23.3

                              [FINPRO LETTERHEAD]

September 18, 1997

Board of Trustees
Ninth Ward Savings Bank
400 Delaware Avenue
Wilmington, Delaware  19801

Dear Board Members:

We hereby consent to the use of our firm's name, FinPro,  Inc. ("FinPro") in the
Application  for  Conversion on Form 86-AC filed by Ninth Ward Savings Bank, and
any amendments thereto, for permission to convert to a stock savings institution
and references to the Conversion  Valuation  Appraisal Report ("Report") and the
valuation  of Ninth  Ward  Savings  Bank  provided  by FinPro,  and our  opinion
regarding  subscription rights filed as an exhibit to the applications  referred
to below.  We also consent to the use of our firm's name and the  inclusion  of,
summary of and references to our Report in the Form SB-2 Registration  Statement
filed by Delaware First Financial  Corporation and any amendments  thereto,  the
Application  for  Conversion on Form 86-AC filed by Ninth Ward Savings Bank, and
any amendments thereto,  and the notice and Application for Conversion for Ninth
Ward Savings Bank, Wilmington, Delaware filed by Ninth Ward Savings Bank and any
amendments thereto.

                                   Very Truly Yours,
                                   FinPro, Inc.

                                   /s/ Donald J. Musso

                                   Donald J. Musso

Liberty Corner, New Jersey
September 18, 1997