Exhibit 23.1





               CONSENT OF INDEPENDENT ACCOUNTANTS


     We consent to the inclusion in the registration statement of
Jade Financial Corp. on Form SB-2 of our report, dated March 18,
1999, (May 26, 1999 with respect to Note 18) on our audits of the
consolidated financial statements of IGA Federal Savings Bank and
Subsidiary as of December 31, 1998 and June 30, 1998 and for the
six months then ended December 31, 1998 and years ended June 30,
1998 and 1997.

     We also consent to the reference to our firm under the
caption "Experts".


                              /s/ Stockton Bates, LLP

                              Certified Public Accountants

Philadelphia, Pennsylvania
June 4, 1999