EXHIBIT 23.1

                         INDEPENDENT AUDITORS' CONSENT

We have issued our report dated February 8, 1996, (except for the "Earnings per
Share" paragraph of Note 1, as to which the date is March 29, 1996) accompanying
the financial statements of Life Savings Bank, Federal Savings Bank contained in
the Pre-effective Amendment No. 2 to the Registration Statement on Form S-4 and
Prospectus included therein. We consent to the use of the aforementioned report
in the Amendment No. 2 to Registration Statement on Form S-4 and Prospectus
included therein, and to the use of our name as it appears under the captions
"Experts" and "Changes in Accountants."

/s/ Grant Thornton LLP
Grant Thornton LLP
Irvine, California

May 29, 1997