Exhibit 23.5







                          CONSENT OF FINANCIAL ADVISOR



         We hereby consent to the use of the form of our opinion letter to the
Board of Directors of MNB Bancshsares included as Appendix B to the
Prospectus/Proxy Statement which is part of the Registration Statement on Form
S-4 relating to the proposed merger between MNB Bancshares, Inc. and Landmark
Bancshares, Inc., and to the references to such opinion in such Prospectus/Proxy
Statement. In giving such consent, we do not thereby admit that we come within
the category of persons whose consent is required under Section 7 of the
Securities Act of 1933 or the rules and regulations of the Securities and
Exchange Commission thereunder, nor do we thereby admit that we are experts with
respect to any part of such Registration Statement within the meaning of the
term "expert" as used in the Securities Act of 1933 as amended, or the rules and
regulations of the Securities and Exchange Commission thereunder.


/s/ McConnell, Budd & Downes, Inc.


McConnell, Budd & Downes, Inc.
June 4, 2001