EXHIBIT 23

                               CONSENTS OF EXPERTS












                         CONSENT OF INDEPENDENT AUDITORS



We consent to the  incorporation  by reference  in  Registration  Statement  No.
33-80171  of First  Midwest  Financial,  Inc.  on Form  S-8 and in  Registration
Statement  No.  333-9871  of First  Midwest  Financial,  Inc. on Form S-3 of our
report  dated  October  10,  1997,   contained  in Exhibit  13 to First  Midwest
Financial, Inc.'s Annual Report on Form 10-K for the fiscal year ended September
30, 1997.



                                               /s/ Crowe, Chizek and Company LLP
                                                   -----------------------------
                                                   Crowe, Chizek and Company LLP


South Bend, Indiana
December 23, 1997













                          INDEPENDENT AUDITOR'S CONSENT


We consent to the  incorporation  by reference  in  Registration  Statement  No.
33-80171  of First  Midwest  Financial,  Inc.  on Form S-8 of our  report  dated
November 17, 1995  appearing in Exhibit 99 in this Annual Report on Form 10-K of
First Midwest Financial, Inc. for the year ended September 30, 1997.


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

Omaha, Nebraska
December 23, 1997













INDEPENDENT AUDITOR'S CONSENT


We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-9871  of First  Midwest  Financial,  Inc.  on Form S-3 of our  report  dated
November 17, 1995  appearing in Exhibit 99 in this Annual Report on Form 10-K of
First Midwest Financial, Inc. for the year ended September 30, 1997.


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

Omaha, Nebraska
December 23, 1997