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                                                                 Exhibit 23.1

                         CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation in the registration statement on Form S-8 (File
No. 333-67103) of RFS Bancorp, Inc. of our report dated October 25, 2000,
relating to the consolidated balance sheets of RFS Bancorp, Inc. and Subsidiary
as of September 30, 2000 and 1999, and the related consolidated statements of
income, changes in stockholders' equity and cash flows for each of the years in
the three-year period ended September 30, 2000.


                                        /s/ Shatswell, MacLeod & Company, P.C.

West Peabody, Massachusetts
December 19, 2000



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