EXHIBIT 23

                          INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration No. 333-38971 of
Community Savings Bankshares, Inc. on Form S-8 of our report on the consolidated
financial statements of Community Savings Bankshares, Inc. as of and for the
year ended December 31, 2000, dated February 16, 2001 appearing in this Annual
Report on Form-10K of Community Savings Bankshares, Inc. for the year ended
December 31, 2000.





                                                   Crowe, Chizek and Company LLP

Grand Rapids, Michigan
March 20, 2001