Exhibit 23.2
Consent of Crowe, Chizek and Company LLP
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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 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 -- Tax Effects," "Legal and Tax
Opinions," and "Experts" in this Registration Statement on Forms SB-2 and AC.
/s/Crowe, Chizek and Company LLP
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Crowe, Chizek and Company LLP
Columbus, Ohio
November 8, 2000
