CONSENT
We hereby consent to the references to this firm and our opinions in,
and the inclusion of our opinions as exhibits to: the Registration Statement on
Form SB-2 filed by Lawrence Financial Holdings, Inc. (the "Company"), and all
amendments thereto; in the Form H-(e)1-S for the Company, and all amendments
thereto; and in the Application for Conversion on Form AC filed by Lawrence
Federal Savings Bank (the "Bank"), and all amendments thereto, relating to the
conversion of the Bank from a federally-chartered mutual savings bank to a
federally-chartered stock savings bank, the concurrent issuance of the Bank's
outstanding capital stock to the Company, a holding company formed for such
purpose, and the offering of the Company's common stock.
/s/ MULDOON, MURPHY & FAUCETTE LLP
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MULDOON, MURPHY & FAUCETTE LLP
Dated this 8th day of
September 2000
