Exhibit 23.1




                            CONSENT OF MOSS ADAMS LLP

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

We consent to the incorporation by reference in the Registration Statement on
Form S-8 (SEC registration number 333-53308), filed on January 5, 2001, of
United Financial Corp. and Subsidiaries of our report dated February 20, 2004,
which appears in the Annual Report on Form 10-K of United Financial Corp. and
Subsidiaries for the year ended December 31, 2003.



/s/  Moss Adams LLP


Spokane, Washington
March 24, 2004