SKIBO FINANCIAL CORP
10KSB40/A, EX-23.1, 2000-08-14
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  EXHIBIT 23.1

                      Consent of Stokes Kelly & Hinds, LLC

<PAGE>





                          INDEPENDENT AUDITORS' CONSENT



We consent to the  incorporation by reference in Registration  Statements (Forms
S-8 Nos.  333-74369 and 333-74161) of Skibo  Financial Corp. on Forms S-8 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
incorporated by reference into the March 31, 2000 Annual Report on Form 10-KSB/A
(Amendment No.1) of Skibo Financial Corp.

/s/ Stokes Kelly & Hinds, LLC

Stokes Kelly & Hinds, LLC
Pittsburgh, Pennsylvania
August 11, 2000



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