Exhibit 23



                              ACCOUNTANTS' CONSENT




We have issued our report dated August 26, 2000,  accompanying  the consolidated
financial  statements of Kentucky  First Bancorp,  Inc.  which are  incorporated
within the Annual  Report on Form  10-KSB 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 Thornton LLP


Cincinnati, Ohio
September 26, 2000



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