EXHIBIT 23.2
CONSENT OF NEFF & RICCI LLP
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[LETTERHEAD OF NEFF & RICCI LLP]
CONSENT OF INDEPENDENT ACCOUNTANTS
Board of Directors
GFSB Bancorp, Inc.
We consent to incorporation by reference in the registration statement
(No. 333-07131) on Form S-8 of GFSB Bancorp, Inc. of our report dated August 3,
2000, relating to the consolidated statements of financial condition of GFSB
Bancorp, Inc. as of June 30, 2000 and 1999, and the related consolidated
statements of earnings and comprehensive earnings, changes in stockholders'
equity and cash flows for the years ending June 30, 2000 and 1999, which report
appears in the June 30, 2000 annual report on Form 10- KSB of GFSB Bancorp, Inc.
/s/ Neff & Ricci LLP
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Neff & Ricci LLP
December 5, 2000
Albuquerque, New Mexico
