CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



The Board of Directors
Ben Franklin Bank of Illinois


We consent to the use in this Registration  Statement on Form S-1 filed with the
Securities  and Exchange  Commission and Form AC filed with the Office of Thrift
Supervision  on  April 2, 1998,  of our report dated  February 27, 1998,  on the
financial  statements of Ben Franklin Bank of Illinois (formerly know as Douglas
Savings  Bank) for the year ended  December  31,  1997.  We also  consent to the
reference to us under the headings  "The  Conversion - Income Tax  Consequences"
and "Experts", in this Registration Statement on Forms S-1 and AC.


                                            /s/ Crowe, Chizek and Company LLP

                                            Crowe, Chizek and Company LLP

Oak Brook, Illinois
April 2, 1998