Exhibit 23.2



                        CONSENT OF INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-4) and related Prospectus of ESB Financial
Corporation for the registration of 226,400 shares of its common stock and to
the incorporation by reference therein of our report dated January 26, 2001,
with respect to the consolidated financial statements of ESB Financial
Corporation incorporated by reference in its Annual Report (Form 10-K) for the
year ended December 31, 2000, filed with the Securities and Exchange Commission.



/s/ Ernst & Young LLP
Pittsburgh, Pennsylvania
June 14, 2001