Exhibit 24.7


INDEPENDENT AUDITORS' CONSENT


     We consent to the incorporation by reference in the
Registration Statement (Form S-8) of Fourth Financial Corporation
and related Prospectus pertaining to the Fourth Financial
Corporation 1993 Incentive Stock Option Plan of our report on the
financial statements of KNB Bancshares, Inc. and Subsidiaries for
the year ended December 31, 1991, dated February 7, 1992, which
is included in the Annual Report on Form 10-K of Fourth Financial
Corporation for the year ended December 31, 1993.





/s/ Deloitte & Touche


Kansas City, Missouri
May 25, 1994