EXHIBIT 23.4




                             KELLER & COMPANY, INC.
                        FINANCIAL INSTITUTION CONSULTANTS
                              555 METRO PLACE NORTH
                                    SUITE 524
                               DUBLIN, OHIO 43017
                                 (614) 766-1426
                               (614) 766-1459 FAX


May 7, 2004


Re:    Valuation Appraisal of First Federal Financial Services, Inc.
       First Federal Savings and Loan Association
       Edwardsville, Illinois


We hereby consent to the use of our firm's name in the Form SB-2 of First
Federal Financial Services, Inc., to the reference to our firm under the heading
"Experts" in the prospectus, and to the inclusion of our opinion letter
regarding subscription rights and our opinion regarding the valuation of First
Federal Financial Services, Inc., provided in our Valuation Appraisal Report and
any Valuation Updates, in the Form SB-2 to be filed by First Federal Financial
Services, Inc. with the Securities and Exchange Commission and any amendments
thereto.

Very truly yours,

KELLER & COMPANY, INC.



by: /s/ John A. Shaffer
   ------------------------
        John A. Shaffer
        Vice President