FRANKFORT FIRST BANCORP INC
10-K405, EX-23, 2000-09-28
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                              ACCOUNTANT'S CONSENT

     We  have  issued  our  report  dated  August  22,  2000,  accompanying  the
consolidated  financial  statements of Frankfort First Bancorp,  Inc., which are
incorporated  within the Annual  Report on Form 10-K for the year ended June 30,
2000. We hereby consent to the  incorporation by reference of said report in the
Corporation's Form S-8.

/s/ Grant Thorton LLP

Cincinnati, Ohio
September 26, 2000




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