Exhibit 23.3.1

                CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


         We consent to the incorporation by reference in this Registration
Statement on Form S-4 filed with the Securities and Exchange Commission of our
report dated January 25, 2001, on the consolidated financial statements of First
Citizens Banc Corp as of December 31, 2000 and 1999, and for each of the three
years in the period ended December 31, 2000.  We also consent to the reference
to us under the heading "Experts" in this Registration Statement on Form S-4.


                                        /s/ Crowe, Chizek and Company LLP
                                        ---------------------------------
                                        Crowe, Chizek and Company LLP

Columbus, Ohio
December 11, 2001