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                                                                    EXHIBIT 23.3



                    CONSENT OF KEEFE , BRUYETTE & WOODS, INC.


        We hereby consent to the inclusion of our opinion letter to the Board of
Directors of Ottawa Financial Corporation as an exhibit to the Joint Proxy
Statement/Prospectus relating to the proposed acquisition of Ottawa Financial
Corp. by Fifth Third Bancorp and to the references to our firm and such opinion
in such Joint Proxy Statement/Prospectus. In giving such consent, we do not
admit that we come within the category of persons whose consent is required
under Section 7 of the Securities Act of 1933, as amended, or the rules and
regulations of the Securities and Exchange Commission thereunder, nor do we
admit that we are experts with respect to any part of such Registration
Statement within the meaning of the term "experts" as used in the Securities Act
of 1933, as amended, or the rules and regulations of the Securities and Exchange
Commission thereunder.




October 4, 2000                          /s/ Keefe, Bruyette & Woods, Inc.