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<PAGE> 1 Exhibit 23. INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in the Registration Statements of First Keystone Financial, Inc. on Form S-8 (Registration Nos. 333-09565 and 33-97562) of our report dated November 3, 2000, appearing in this Annual Report on Form 10-K of First Keystone Financial, Inc. for the year ended September 30, 2000. /s/ DELOITTE & TOUCHE LLP DELOITTE & TOUCHE LLP Philadelphia, Pennsylvania December 29, 2000 44
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