[LETTERHEAD OF LARSSON, WOODYARD & HENSON, LLP APPEARS HERE]


[LOGO APPEARS HERE]

    
  June 10, 1996     



   The Board of Directors
   Illinois Guarantee Savings Bank, FSB
   210 East Fayette
   Effingham, Illinois  62401

    
   We consent to the use of our report dated May 24, 1996 included herein and to
   the reference to our Firm under the headings "Experts" for Amendment No. 2 of
   Form S-4.     



   /s/ Larsson, Woodyard & Henson, LLP

       Larsson, Woodyard & Henson, LLP