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                                                                    Exhibit 23.1

                   INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this  Registration  Statement of
Harleysville  Savings  Financial  Corporation  on Form S-3 of our  report  dated
October 22, 1999, incorporated by reference in the Annual Report on Form 10-K of
Harleysville  Savings  Bank for the year  ended  September  30,  1999 and to the
reference to us under the heading "Experts" in the Prospectus,  which is part of
this Registration Statement.

/s/ Deloitte & Touche

Philadelphia, Pennsylvania
June 9, 2000

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