EXHIBIT 23.1

The Board of Directors

Exchange Bancshares, Inc.

We consent to incorporation by reference in the registration statement in Form S-3 of Exchange Bancshares, Inc. of our report dated February 10, 2000 relating to the consolidated balance sheets of Exchange Bancshares, Inc. and subsidiary as of December 31, 1999 and 1998, and the related consolidated statements of income, changes in shareholders' equity, and cash flows for each of the three-year period ended December 31, 1999, which report appears in the December 31, 1999 annual report on Form 10-KSB of Exchange Bancshares, Inc. and subsidiary.

/s/ Robb, Dixon, Francis, Davis, Oneson & Co.

Robb, Dixon, Francis,

Davis, Oneson & Company

Granville, Ohio

April 19, 2000