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                                 EXHIBIT INDEX


Exhibit Number           Exhibit Name                            Page
- ---------------------------------------------------------------------

23                       Consent of Experts and Counsel            46 




                                   Page 45

 2

   

               Exhibit Number 23 Consent of Experts and Counsel

                        Consent Of Independent Auditors




The Board of Directors
HF Bancorp, Inc.:



We consent to the inclusion of our report dated  January 19, 1996,  with respect
to the  consolidated  balance  sheets  of Palm  Springs  Savings  Bank,  FSB and
subsidiaries  as of  December  31, 1995 and 1994,  and the related  consolidated
statements  of  earnings,  stockholders'  equity  and cash flows for each of the
years in the three-year  period ended December 31, 1995, which report appears in
the Form 8-K/A of HF Bancorp, Inc. dated February 19, 1997.





/S/ KPMG Peat Marwick, LLP
- -------------------------------
KPMG Peat Marwick, LLP


Orange County, California
February 19, 1997

    



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