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CONSENT OF INDEPENDENT AUDITORS
We consent to the use of our report dated November 15, 2000, with respect to our
audits of eZ Bancorp, Inc. as of November 7, 2000 and EBC Development, LLC as
of, and for the periods ending, December 31, 1999 and November 7, 2000, included
in the Registration Statement (Form SB-2 No. 333) pertaining to shares of eZ
Bancorp, Inc. offered in an initial public offering.
/s/ Ernst & Young LLP
Chicago, Illinois
November 22, 2000
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