EXHIBIT 23.1



                         CONSENT OF INDEPENDENT AUDITORS


We consent to the  incorporation by reference in the  registration  statement on
Form S-8 of Unified  Financial  Services,  Inc. and  subsidiaries  (registration
number  333-53863)  of  our  report  dated  February  3,  2004  relating  to the
consolidated  statement of financial  condition for Unified Financial  Services,
Inc. and  subsidiaries  as of December 31,  2003,  and the related  consolidated
statements  of  operations,  stockholders'  equity,  and cash flows for the year
ended December 31, 2003, which appears in the December 31, 2003 Annual Report to
Stockholders on Form 10-K of Unified Financial Services, Inc. and subsidiaries.


/s/ J. D. Cloud & Co. L. L. P.
Cincinnati, Ohio
February 27, 2004