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                                                                    EXHIBIT 23.3

                         CONSENT OF INDEPENDENT AUDITORS


As independent public accountants and auditors, we hereby consent to the
incorporation by reference in this registration statement on Form S-4 of our
report dated January 29, 1998 included in United Security Bancorporation's
Annual Report on Form 10-K for the year ended December 31, 1997.

                                    /s/ Moss Adams LLP
                                    --------------------------------------


Everett, Washington
May 28, 1998