INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference in  Registration  Statements  No.
333-3768,  333-31613,  and 333-22331 of Fidelity Financial of Ohio, Inc. on Form
S-8 of our report  dated  February 10, 1999  appearing in this Annual  Report on
Form 10-K of Fidelity  Financial of Ohio,  Inc. for the year ended  December 31,
1998.




/s/ GRANT THORNTON LLP


Cincinnati, Ohio
March 29, 1999