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EXHIBIT 23(b) CONSENT OF INDEPENDENT ACCOUNTANTS Peoples Federal Savings and Loan Association of Massillon 211 Lincoln Way East Massillon, Ohio 44646 We consent to the incorporation by reference in this Registration Statement of Peoples Financial Corporation on Form S-8 of our report dated December 5, 1996, on the consolidated balance sheet of Peoples Federal Savings and Loan Association as of September 30, 1995, and the related consolidated statements of income, changes in shareholders' equity and cash flows for the two years ended September 30, 1995. HALL, KISTLER & COMPANY LLP Canton, Ohio February 21, 1997