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EXHIBIT 23.2
CONSENT OF INDEPENDENT AUDITORS
We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 of Belmont Bancorp. of our report dated March 2, 2000,
except for Notes 2, 3, 20 and 24 which date is April 13, 2000, on the
consolidated financial statements of Belmont Bancorp. as of December 31, 1999
and for the year then ended; which report is included in the Annual Report on
Form 10-K of Belmont Bancorp. for the year ended December 31, 1999.
/s/ Crowe, Chizek and Company LLP
Columbus, Ohio
September 8, 2000
