EXHIBIT 23(d)



                       CONSENT OF INDEPENDENT ACCOUNTANTS


         We hereby  consent  to the  reference  to our firm  under  the  caption
"Experts"   in   this   Registration   Statement   on  Form   S-4  and   related
Prospectus/Joint  Proxy Statement of Fidelity Financial of Ohio, Inc. and Circle
Financial  Corporation  and to the  incorporation  by  reference  therein of our
report  dated July 24, 1995  (except for Note 19, as to which the date is August
11,  1995),  incorporated  by reference  in the Annual  Report on Form 10-KSB of
Circle Financial Corporation for the year ended June 30, 1995.





/s/ Clark, Schaeffer, Hackett & Co.
Cincinnati, Ohio
June 13, 1996