FIRST KEYSTONE FINANCIAL INC
10-K405, EX-23, 2000-12-29
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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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


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