EXHIBIT 23
CONSENT OF ACCOUNTANTS
We consent to the incorporation by reference in the Registration Statements of MSB
Financial, Inc.'s (the "Company's") Recognition and Retention Plan (File No. 333-2234), 1995
Stock Option and Incentive Plan (File No. 333-2232) and 1997 Stock Option and Incentive Plan
(File No. 333-71837) on Form S-8 of our report, dated July 28, 2000, on the consolidated
financial statements incorporated by reference in the Company's Annual Report on Form 10-KSB
for the fiscal year ended June 30, 2000.
/s/ Crowe, Chizek and Company LLP
Grand Rapids, Michigan
September 25, 2000
