EXHIBIT 23.2



            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the use in Form AC, Application for Conversion and the Application
H-(e)1-S of OC Financial, Inc. filed with the Office of Thrift Supervision and
in the Registration Statement on Form SB-2 filed with the Securities and
Exchange Commission of our report dated December 14, 2004 on the consolidated
financial statements of Ohio Central Savings appearing in the prospectus, which
is part of the Application and Registration Statement.

We also consent to the reference to our firm under the headings "Material Income
Tax Consequences", "Experts" and "Legal and Tax Matters" in the prospectus,
which is part of Form AC and the Registration Statement on Form SB-2.


                                             /s/ Crowe Chizek and Company LLC

                                             Crowe Chizek and Company LLC

Columbus, Ohio
December 14, 2004