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 Amendment Number One to Form S-4 to be 
filed with the Securities and Exchange Commission on or about December 18, 
1997.

/s/Grant Thornton L.L.P.

Cincinnati, Ohio
December 17, 1997