[LETTERHEAD OF KOLDER, CHAMPAGNE, SLAVEN & RAINEY, LLC]



                              Accountant's Consent
                              --------------------



The Board of Directors
First Allen Parish Bancorp, Inc.:

We consent to  incorporation  by reference in the  registration  statement  (No.
333-69939)  on Form S-8 of our report dated  January 28,  1999,  relating to the
consolidated  statements of financial  condition of First Allen Parish  Bancorp,
Inc.  and  subsidiaries  as of  December  31,  1998 and  1997,  and the  related
consolidated statements of income,  stockholders' equity and cash flows for each
of the years in the  two-year  period  ended  December  31,  1998,  which report
appears in the  December  31, 1998  annual  report on Form 10-KSB of First Allen
Parish Bancorp, Inc.


                                     /s/ Kolder, Champagne, Slaven & Rainey, LLC
                                     -------------------------------------------
                                          KOLDER, CHAMPAGNE, SLAVEN & RAINEY,LLC


Lafayette, Louisiana
March 26, 1999