ARTHUR ANDERSEN LLP




CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


As independent public accountants, we hereby consent to the incorporation
by reference in this Form 10-K and the previously filed registration
statement of BWC Financial Corp. on Form S-8 (File No. 33-22290) of our
report dated February 18, 2000, in BWC Financial Corp.'s 1999 Annual
Report. It should be noted that we have not audited any financial
statements of BWC Financial Corp. subsequent to December 31, 1999, or
performed any audit procedures subsequent to the date of our report.


Arthur Andersen LLP


San Francisco, California,
March 21, 2000




Exhibit 24.1