EXHIBIT 23.2



                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



As independent  public  accountants,  we hereby consent to the  incorporation by
reference in this Form S-8 Registration  Statement of our report dated April 11,
2003  included  in  and   incorporated  by  reference  in  Consumers   Financial
Corporation's  Annual Report on Form 10-K, for the year ended December 31, 2002,
and  to  all  references  to our  firm  included  in or  made  a  part  of  this
Registration Statement.



STAMBAUGH NESS, PC

/s/ Stambaugh Ness, PC


York, Pennsylvania
November 7, 2003