PEOPLES COMMUNITY BANCORP INC /DE/
S-4/A, EX-23.3, 2001-01-17
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 23.3

                              ACCOUNTANTS' CONSENT



         We have issued our report dated November 30, 2000, accompanying the
consolidated financial statements of Peoples Community Bancorp, Inc. for the
year ended September 30, 2000 which are incorporated by reference in the
Corporation's Form S-4 to be filed with the Securities and Exchange Commission
on or about January 12, 2001. We hereby consent to the incorporation by
reference of said report in the Joint Proxy/Prospectus.




/s/  Grant Thornton LLP

Cincinnati, Ohio
January 10, 2001



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