EXHIBIT 23.2



                      [LETTERHEAD OF DELOITTE & TOUCHE LLP] 














Members of the Board:

        We  consent  to the  incorporation  by  reference  in this  Registration
Statement  of First  Midwest  Financial,  Inc.  on Form S-8 of our report  dated
November  17, 1995  (which  expresses  an  unqualified  opinion and  includes an
explanatory  paragraph  relating  to a change in the  method of  accounting  for
income taxes and for debt and equity  securities in fiscal year 1994)  appearing
in the Annual  Report on Form 10-KSB of First  Midwest  Financial,  Inc. for the
year ended September 30, 1996.




                                                    /s/ Deloitte & Touche LLP
                                                    -------------------------
                                                    DELOITTE & TOUCHE LLP



Omaha, Nebraska
February 26, 1997

                   [LETTERHEAD OF CROWE, CHIZEK & COMPANY LLP] 






                        CONSENT OF INDEPENDENT AUDITORS








        We  consent  to the  incorporation  by  reference  in this  Registration
Statement  of First  Midwest  Financial,  Inc.  on Form S-8 of our report on the
consolidated   financial  statements  of  First  Midwest  Financial,   Inc.  and
subsidiaries  dated  October 9, 1996,  contained in Exhibit 13 to First  Midwest
Financial,  Inc.'s Annual Report on Form 10-KSB for the year ended September 30,
1996.



                                                  /s/Crowe, Chizek & Company LLP
                                                  ------------------------------
                                                  CROWE, CHIZEK & COMPANY LLP



South Bend, Indiana
February 26, 1997