EXHIBIT 23.2








                       [WOLF & COMPANY, P.C. LETTERHEAD]
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               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


We consent to the use in this Amendment No. 1 to Registration  Statement on Form
SB-2 and  Prospectus of Service  Bancorp,  Inc.  (proposed  holding  company for
Summit Bank) of our report  dated August 8, 1997,  except for Notes 15 and 16 as
to which the dates are August 19, 1997 and March 12, 1998, respectively,  on the
consolidated balance sheets of Summit Bank as of June 30, 1997 and 1996, and the
related consolidated statements of income, changes in retained earnings and cash
flows for the  years  then  ended and to the use of our name and the  statements
with respect to us, as appearing under the heading "Experts" in the Prospectus.


/s/ Wolf & Company, P.C.

Wolf & Company, P.C.


Boston, Massachusetts
July 24, 1998