[MOSS ADAMS LLP LETTERHEAD]

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C E R T I F I E D   P U B L I C   A C C O U N T A N T S





                                                                    Exhibit 23.1



            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



We consent to the incorporation by reference in the Annual Report on Form 10-K
of Umpqua Holdings Corporation (Umpqua) of our report dated March 14, 2006, with
respect to the consolidated balance sheet of Umpqua as of December 31, 2005, and
the related consolidated statements of income, changes in shareholders' equity,
and cash flows for the year ended December 31, 2005, and in our same report,
with respect to Umpqua management's assessment of the effectiveness of internal
control over financial reporting and the effectiveness of internal control over
financial reporting, which report is included in this annual report on Form 10-K
of Umpqua for the year ended December 31, 2005.

/s/ Moss Adams LLP


Portland, Oregon
March 14, 2006