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EXHIBIT 23.2 CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS We hereby consent to the incorporation by reference in this Registration Statement on Form S-8 of our report of Independent Auditors dated February 18, 2000 which appears in Community Savings Bankshares Inc.'s Annual Report on Form 10-K for the year ended December 31, 1999. /s/ Crowe, Chizek and Company LLP Crowe, Chizek and Company LLP Grand Rapids, Michigan May 26, 2000
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