<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>bvfinancials8nov05ex23-2.txt
<TEXT>






                       CONSENT OF BEARD MILLER COMPANY LLP


We consent to the incorporation by reference in this Registration Statement on
Form S-8 of our report dated September 8, 2005 relating to the consolidated
financial statements of BV Financial, Inc., appearing in the Annual Report on
Form 10-KSB of BV Financial, Inc. for the year ended June 30, 2005.


/s/ Beard Miller Company LLP

Baltimore, Maryland
November 16, 2005

</TEXT>
</DOCUMENT>
