[FERGUSON & COMPANY LETTERHEAD]


                                 March 31, 1998


Board of Directors
Douglas Savings Bank
14 North Dryden Avenue
Arlington Heights, Illinois

Directors:

     We hereby  consent to the use of our firm's name in the Form AC Application
for Conversion of Douglas Savings Bank, and any amendments  thereto, in the Form
S-1 Registration  Statement of Ben Franklin  Financial,  Inc. and any amendments
thereto, and in the Application H-(e)1-S fo Ben Franklin Financial, Inc. We also
hereby  consent to the inclusion of,  summary of, and reference to our Appraisal
Report and our opinion concerning  subscription rights in such filings including
the Prospectus of Ben Franklin Financial, Inc.


                                             Sincerely,

                                             /s/ Charles M. Hebert

                                             Charles M. Hebert
                                             Principal