Exhibit 23.2







                        INDEPENDENT ACCOUNTANTS' CONSENT


To the Board of Directors
Landmark Bancshares, Inc.


We consent to the incorporation by reference in the Registration Statement on
Form S-4 of Landmark Merger Company of our report, dated October 26, 2000,
relating to the consolidated balance sheets of Landmark Bancshares, Inc. and
subsidiary as of September 30, 2000 and 1999, and the related consolidated
statements of operations, comprehensive income, changes in stockholders' equity
and cash flows for each of the three years in the period ended September 30,
2000, which report appears in the September 30, 2000 annual report on Form 10-K
of Landmark Bancshares, Inc., and to the reference to our firm under the heading
of "Experts" in the related prospectus.



/s/ Regier Carr & Monroe, L.L.P.

June 6, 2001
Wichita, Kansas