Exhibit 23

INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference in  Registration  Statement No.'s
333-08481 and 333-42119 of Harrington  Financial Group,  Inc. on Form S-8 of our
report  dated August 18,  2000,  appearing in the Annual  Report on Form 10-K of
Harrington Financial Group, Inc. for the year ended June 30, 2000.


/s/ Deloitte & Touche LLP
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DELOITTE & TOUCHE LLP
Indianapolis, Indiana
September 28, 2000