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EXHIBIT 23.4
[LETTERHEAD OF RP FINANCIAL, LC]
June 22, 2000
Board of Directors
Harris Savings Bank
235 North Second Street
Harrisburg, Pennsylvania 17101
Members of the Board of Directors:
We hereby consent to the use of our firm's name in the Prospectus and the
filing of the appraisal report and subscriptions rights letter in the
Registration Statement on Form S-1, Form S-4, Combined Application H(e)-3/H(e)-1
and Form AC Application for Conversion.
Sincerely,
/s/ RP Financial, LC.
RP FINANCIAL, LC.