INDEPENDENT AUDITOR'S CONSENT





We  hereby  consent  to the  incorporation  by  reference  in  the  Registration
Statement on Form S-3 of our report dated July 26, 1996,  which  appears on page
16 of the annual report on Form 10-KSB of Quad City Holdings,  Inc. for the year
ended  June 30,  1996,  and to the  reference  to our  Firm  under  the  caption
"Experts" in the Prospectus.






                                        /s/ McGLADREY & PULLEN, LLP




Davenport, Iowa
June 16, 1997