Exhibit 23(d)


                                 ACCOUNTANTS' CONSENT

    We have issued our report dated February 11, 1997, accompanying the 
consolidated financial statements of North Cincinnati Savings Bank which are 
included within the Bank's Annual Report on Form F-2 for the year ended 
December 31, 1996.  We hereby consent to the inclusion of said report in 
Enterprise Federal Bancorp, Inc.'s Form S-4 to be filed with the Securities 
and Exchange Commission on or about November 11, 1997.

/s/Grant Thornton L.L.P.

Cincinnati, Ohio
November 10, 1997