Exhibit 23.3


                                                   August 9, 2001

Board of Directors
CharterBank
600 Third Avenue
West Point, Georgia 31833

Members of the Board of Directors:

     We hereby consent to the use of our firm's name in the applications for the
conversion and holding company formation for CharterBank (the "Bank") in which
the Bank will become a wholly-owned subsidiary of Charter Financial Corp. (the
"Company"), a federal corporation in organization, and the Company will issue a
majority of its Common Stock to First Charter, MHC (the "MHC"), and will sell a
minority of its Common Stock to the public.  We also hereby consent to the
inclusion of, summary of and references to our Appraisal Report and our
statement concerning subscription rights in such filings including the
Prospectus of Charter Financial Corporation



                                         Respectfully submitted,

                                         RP FINANCIAL, LC.

                                         /s/ James P. Hennessey

                                         James P. Hennessey
                                         Senior Vice President