PEOPLES FINANCIAL CORP \OH\
10KSB, EX-23, 2000-12-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                   EXHIBIT 23

                       CONSENT OF INDEPENDENT ACCOUNTANTS



We have issued our report dated December 5, 2000,  accompanying the consolidated
financial statements of Peoples Financial  Corporation which are included in the
Corporation's  Annual  Report on Form  10-KSB for the year ended  September  30,
2000. We hereby consent to the  incorporation by reference of said report in the
Registration Statement of Peoples Financial Corporation on Form S-8.



/s/GRANT THORNTON LLP


Cincinnati, Ohio
December 27, 2000






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