Exhibit 23
CONSENT OF INDEPENDENT ACCOUNTANTS
We hereby consent to the incorporation by reference in these Registration
Statements on Form S-8 for Peoples-Sidney Financial Corporation; the Peoples
Federal Savings & Loan Association of Sidney 401(k) Retirement Plan
(Registration No. 333-37301), Peoples-Sidney Financial Corporation 1998 Stock
Option and Incentive Plan (Registration No. 33- 73395), and Peoples-Sidney
Financial Corporation 1998 Management Recognition Plan (Registration No.
33-73393), of our report dated July 14, 2000 relating to the consolidated
balance sheets of Peoples-Sidney Financial Corporation as of June 30, 2000 and
1999 and the related consolidated statements of income, changes in shareholders'
equity and cash flows for each of the three years in the period ended June 30,
2000, which report is incorporated by reference in the Annual Report on Form
10-KSB of Peoples-Sidney Financial Corporation for the year ended June 30, 2000.
/s/ Crowe Chizek and Company LLP
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Crowe Chizek and Company LLP
Columbus, Ohio
September 27, 2000
