CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
We consent to the use in this Registration Statement on Form SB-2 filed with the
Securities and Exchange Commission and Form AC filed with the Office of Thrift
Supervision on September 8, 2000, of our report dated February 24, 2000, on the
financial statements of Lawrence Federal Savings Bank as of and for the years
ended December 31, 1999 and 1998. We also consent to the reference to us under
the headings "The Conversion - Effects of Conversion to Stock Form - Tax
Effects," "Legal and Tax Opinions," and "Experts" in this Registration Statement
on Forms SB-2 and AC.
/s/Crowe, Chizek and Company LLP
Crowe, Chizek and Company LLP
Columbus, Ohio
September 7, 2000
