EXHIBIT 23(c)



                              ACCOUNTANTS' CONSENT


         We have issued our report dated  January 24, 1996 (except for Note L as
to which the date is March 4, 1996)  accompanying  the  financial  statements of
Fidelity  Federal  Savings  Bank  contained  in Form  S-4 to be  filed  with the
Securities and Exchange  Commission on or about June 14, 1996. We consent to the
use of the aforementioned report in the Registration Statement and to the use of
our name as it appears under the caption "experts".





/s/ Grant Thornton LLP
Cincinnati, Ohio
June 12, 1996