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<PAGE> 1 EXHIBIT 23 CONSENT OF ANDREWS, HOOPER & PAVLIK P.L.C. The Board of Directors and Shareholders FSB Bancorp, Inc. We consent to the use of our report on the financial statements of FSB Bancorp, Inc. and subsidiary included in this Form 8-K Amendment Number 1. /S/ ANDREWS, HOOPER & PAVLIK P.L.C. Saginaw, Michigan June 20, 2000
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