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 July 27,  1999,  appearing  in the  Annual  Report on Form 10-K of
Harrington Financial Group, Inc. for the year ended June 30, 1999.



/s/DELOITTE & TOUCHE LLP
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DELOITTE & TOUCHE LLP
Indianapolis, Indiana
September 24, 1999