KELLER & COMPANY, INC.
FINANCIAL INSTITUTION CONSULTANTS
555 METRO PLACE NORTH
SUITE 524
DUBLIN, OHIO 43017
(614) 766-1426
(614) 766-1459 FAX
September 8, 2000
Re: Valuation Appraisal of Lawrence Financial Holdings, Inc.
Lawrence Federal Savings Bank Ironton, Ohio
We hereby consent to the use of our firm's name, Keller & Company, Inc.
("Keller"), and the reference to our firm as experts in the Application for
Conversion on Form AC to be filed by Lawrence Federal Savings Bank and any
amendments thereto and references to our opinion regarding subscription rights
filed as an exhibit to the applications referred to hereafter. We also consent
to the use of our firm's name in the Form SB-2 to be filed by Lawrence Financial
Holdings, Inc. with the Securities and Exchange Commission and any amendments
thereto, and to the statements with respect to us and the references to our
Valuation Appraisal Report and in the said Form AC and any amendments thereto
and in the notice and Application for Conversion filed by Lawrence Financial
Holdings, Inc.
Very truly yours,
KELLER & COMPANY, INC.
by: /s/ Michael R. Keller
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Michael R. Keller
President
