SISTERSVILLE BANCORP INC
10KSB40, EX-23, 2000-06-15
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                   EXHIBIT 23

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SNODGRASS
Certified Public Accountants and Consultants

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              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


To the Shareholders and
the Board of Directors
of Sistersville Bancorp, Inc.

We consent to  incorporation  by  reference  of our report dated April 14, 2000,
relating to the consolidated balance sheets of Sistersville  Bancorp, Inc. as of
March 31, 2000 and 1999,  and the  related  consolidated  statements  of income,
comprehensive  income,  stockholders' equity, and cash flows for each of the two
years in the period ended March 31, 2000.  Said report  appears as Exhibit 13 of
Sistersville Bancorp, Inc.'s annual Form 10-KSB.



/s/S.R. Snodgrass, A.C.

S.R. Snodgrass, A.C
Wheeling, West Virginia

June 14, 2000


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S.R. Snodgrass, A.C.
980 National Road Wheeling, WV 26003-6400  Phone: 304-233-5050  Facsimile: 304-233-3062

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