MYSTIC FINANCIAL INC
10-K, EX-23, 2000-09-26
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                                                               EXHIBIT 23.1

                       Consent of Wolf & Company, P.C.

                        INDEPENDENT AUDITORS' CONSENT

      We consent to the incorporation by reference in the Registration
Statement Number 333-75081 (dated March 24, 1999 on Form S-8) of Mystic
Financial, Inc., of our report dated July 20, 2000, appearing in this
Annual Report on Form 10-K of Mystic Financial, Inc. for the year ended
June 30, 2000.

/s/ Wolf & Company, P.C.

Boston, Massachusetts
September 14, 2000


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