EXHIBIT 23


               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



We consent to the incorporation by reference in the Registration Statements
of InterCounty Bancshares, Inc. on Form S-8, filed on March 23, 1995, of our
report dated February 7, 2001, on the 2000 Consolidated Financial Statements
of InterCounty Bancshares, Inc.



                                       /s/ J.D. Cloud & Co. L.L.P.
                                       -------------------------------
                                       J.D. Cloud & Co. L.L.P.


Cincinnati, Ohio
March 26, 2001

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