EXHIBIT 23
INDEPENDENT AUDITORS' CONSENT
We consent to the incorporation by reference in the Registration Statements of
Harleysville Savings Financial Corporation on Form S-3 (Registration
No.333-38970) and Form S-8 (Registration No. 333-38152) of our report dated
October 27, 2000, incorporated by reference in this Annual Report on Form 10-K
of Harleysville Savings Financial Corporation for the year ended September 30,
2000.
/s/ Deloitte & Touche LLP
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DELOITTE & TOUCHE LLP
Philadelphia, Pennsylvania
December 21, 2000
