<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>3
<FILENAME>consent.txt
<DESCRIPTION>CONSENT OF INDEPENDENT AUDITORS
<TEXT>


                                                                    Exhibit 23


                       CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in the Registration Statement
(Form S-8 No. 333-62053) pertaining to the Citizens Financial Services, FSB
Employees' Savings & Profit Sharing Plan and Trust of our report dated June 4,
2003, with respect to the financial statements and schedule of Citizens
Financial Services, FSB Employees' Savings & Profit Sharing Plan and Trust
included in this Annual Report (Form 11-K) for the year ended December 31,
2002.

                                        /s/ Ernst & Young LLP


Chicago, Illinois
June 27, 2003


</TEXT>
</DOCUMENT>