EXHIBIT 99(e)







                                     CONSENT


         The  undersigned  hereby  consents  to  being  named  as a  prospective
director of Fidelity  Financial of Ohio, Inc. in the  Registration  Statement on
Form S-4 filed by Fidelity  Financial  of Ohio,  Inc.  with the  Securities  and
Exchange  Commission on or about June 13, 1996, to which Registration  Statement
this  Consent is an Exhibit,  and in any  amendments  (including  post-effective
amendments) thereto.


    /s/ Joseph D. Hughes
    --------------------
    Joseph D. Hughes


Date:  June 12, 1996