EXHIBIT 23.3




                           CERTIFIED PUBLICACCOUNTANTS
                              J.W.BOYLE & CO.,LTD.
                                ESTABLISHED 1924




                       CONSENT OF INDEPENDENT ACCOUNTANTS



We hereby consent to the reference to our firm in the caption "Experts" and to
the use in the Offering of Common Stock on Form SB-2 filed with the Securities
and Exchange Commission of our report dated January 16, 2003 on the consolidated
financial statements of First Federal Financial Services, Inc. as of and for the
year ended December 31, 2002.



/s/ J. W. Boyle & Co., Ltd.

    J. W. Boyle & Co., Ltd.

Belleville, Illinois
May 5, 2004