We consent to the incorporation by reference in the Registration Statement on
Form S-8 pertaining to the Liberty Bank 1994 Stock Option Plan, of our report
dated February 16, 2001 (except for Note 21, as to which the date is March 7,
2001), with respect to the consolidated financial statements of State Financial
Services Corporation included 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





Chicago, Illinois
August 10, 2001