


      Consent of Ernst & Young LLP, Independent Auditors

We consent to the incorporation by reference in the Registration
Statement (Form S-8 No. 33-60530) pertaining to the Thrift Plan for
Employees of S&T Bank of our report dated June 11, 1999, with respect
to the financial statements and schedules of the Thrift Plan for
Employees of S&T Bank included in this Annual Report (Form 11-K) for
the year ended December 31, 1998.


                                           /s/ Ernst & Young LLP

Pittsburgh, Pennsylvania
June 25, 1999


