[LETTERHEAD OF FERGUSON & COMPANY]


                                  MAY 4, 1999
                                        



BOARD OF DIRECTORS
COMMUNITY SAVINGS BANK, SSB
708 S. CHURCH STREET
BURLINGTON, NORTH CAROLINA 27215

DIRECTORS:

     We hereby consent to the use of our firm's name in the applications for
conversion of Community Savings Bank, SSB, Burlington, North Carolina, and any
amendments thereto, filed with the Division of Savings Institutions, North
Carolina Department of Commerce (the "Division"), and the FDIC, in the Form SB-2
Registration Statement and any amendments thereto, and in the Acquisition
Application and the Holding Company Application for First Community Financial
Corporation as filed with the Division and the Federal Reserve Board,
respectively. We also hereby consent to the inclusion of, a summary of, and
references to our Appraisal Report and our opinion concerning subscription
rights in such filings including the Prospectus of First Community Financial
Corporation and the Proxy Statement of Community Savings Bank, SSB.

                                          Sincerely,


                                          /s/ Robin L. Fussell

                                          Robin L. Fussell
                                          Principal