EXHIBIT 23.1
Consent of Stokes Kelly & Hinds, LLC
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INDEPENDENT AUDITORS' CONSENT
We consent to the incorporation by reference in Registration Statements
(Form S-8 Nos. 333-74369 and 333-74161) of Skibo Financial Corp., of our report
dated April 27, 2000, relating to the consolidated statement of financial
condition of Skibo Financial Corp. and subsidiaries as of March 31, 2000, and
the related consolidated statements of income and comprehensive income,
stockholders' equity and cash flows for the year then ended, which report is
included in the March 31, 2000 Annual Report on Form 10-KSB of Skibo Financial
Corp.
/s/ SKHLLC
Stokes Kelly & Hinds, LLC
Pittsburgh, Pennsylvania
June 5, 2000
