1
                                   EXHIBIT 23

                         CONSENT OF INDEPENDENT AUDITORS


We hereby consent to the incorporation by reference in this Current Report on
Form 8-K/A of United Community Financial Corp. of our report dated January 11,
2001, on the consolidated balance sheets of Industrial Bancorp, Inc. as of
December 31, 2000 and 1999, and the related consolidated statements of income,
comprehensive income, changes in shareholders' equity and cash flows for each of
the three years in the period ended December 31, 2000; which report is included
in this Annual Report on Form 10-K.



                                       Crowe, Chizek and Company LLP

Cleveland, Ohio
August 10, 2001