<PAGE>
STOCKTON BATES, LLP
CERTIFIED PUBLIC ACCOUNTANTS
CONSENT OF INDEPENDENT AUDITORS
To the Board of Directors
JADE Financial Corp. and Subsidiaries
We consent to the inclusion herein of our report dated February 4, 2000,
which is as of December 31, 1999, relating to the balance sheets of JADE
Financial Corp. and Subsidiaries as of December 31, 1999 and 1998 and the
related statements of operations, changes in shareholders equity, and cash flows
for the years then ended, which report appears in the Form S-4 of JADE Financial
Corp. and Subsidiaries.
STOCKTON BATES, LLP
Certified Public Accountants
Philadelphia, Pennsylvania
January 16, 2001
<PAGE>
STOCKTON BATES, LLP
CERTIFIED PUBLIC ACCOUNTANTS
CONSENT OF INDEPENDENT AUDITORS
To the Board of Directors
PSB Bancorp, Inc. and Subsidiaries
We consent to the inclusion herein of our report dated March 17, 2000,
which is as of December 31, 1999, relating to the balance sheets of PSB Bancorp,
Inc. and Subsidiaries as of December 31,1998 and 1997 and the related statements
of operations, changes in shareholders equity, and cash flows for the years then
ended, which report appears in the Form S-4 of PSB Bancorp, Inc. and
Subsidiaries.
STOCKTON BATES, LLP
Certified Public Accountants
Philadelphia, Pennsylvania
January 16, 2001
