FIDELITY BANCORP INC
10-K, EX-23, 2000-12-26
STATE COMMERCIAL BANKS
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                                   EXHIBIT 23

<PAGE>


                              [KPMG LLP Letterhead]



                        Independent Accountant's Consent




The Board of Directors
Fidelity Bancorp, Inc.


We consent to the  incorporation by reference in the registration  statements on
Form S-8 pertaining to the Fidelity Bancorp, Inc.'s 1998 Stock Compensation Plan
filed January 25, 1999 (Registration Statement No. 333-71145), the 1997 Employee
Stock  Compensation  Program  filed March 12, 1998  (Registration  Sttement  No.
333-47841),  and the  1993  Employee  Stock  Compensation  Program  and the 1993
Directors'  Stock  Option  Plan filed May 2, 1997  (Registration  Statement  No.
333-26383), of our reported dated October 20, 2000, relating to the consolidated
statements of financial condition of Fidelity Bancorp,  Inc. as of September 30,
2000 and 1999, and the related consolidated statements of income,  stockholder's
equity  and cash  flows for each of the  years in the  three-year  period  ended
September  30, 2000,  which report  appears in the  September  30, 2000,  annual
report on Form 10-K of Fidelity Bancorp, Inc.


                                                     /s/KPMG LLP



Pittsburgh, Pennsylvania
December 26, 2000




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