Samuel R. Lolan
                                                            Patrick J. Dauterive
                                                                  Lori D. Percle
                                                                Debbie B. Taylor
                                                           Katherine H. Armentor
Castaing Hussey Lolan & Dauterive, LLP
- ---Certified Public Accountants
- --------------------------------------------------------------------------------
Charles E. Castaing, Retired
Roger E. Hussey, Retired                                         Robin G. Freyou
                                                               Dawn K. Gonsoulin
                                                            John G. Sarkies, Jr.







                         INDEPENDENT AUDITOR'S CONSENT

We consent to the  incorporation by reference in the registration  Statements on
Form S-8 (File Nos.  333-28859 and  033-93210) of our report dated  February 12,
1999  appearing in this Annual Report on Form 10-K of ISB Financial  Corporation
for the year ended December 31, 1998.


/s/Castaing, Hussey, Loan & Dauterive, LLP

New Iberia, Louisiana
March 29, 1999










      525 Weeks Street x P.O. Box 14240 x New Iberia, Louisiana 70562-4240
     Ph.: 318-364-7221 x Fax: 318-364-7235 x email: chldcpa@net-connect.net
          Members of American Institute of Certified Public Accountants
               Society of Louisiana Certified Public Accountants