CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


The Board of Directors
Ben Franklin Bank of Illinois

We consent to the use in this Amendment No. 2 to the  Registration  Statement on
Form S-1 filed with the  Securities  and Exchange  Commission on May 8, 1998, of
our report dated February 27, 1998, on the financial  statements of Ben Franklin
Bank of Illinois  (formerly  known 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 Amendment No.
2 to the Registration Statement on Forms S-1.



                                               Crowe, Chizek and Company LLP

Oak Brook, Illinois
May 8, 1998