EXHIBIT 23.2

                     CONSENT OF REGIER CARR & MONROE, L.L.P.










                  [LETTERHEAD OF REGIER CARR & MONROE, L.L.P.]

                        INDEPENDENT ACCOUNTANTS' CONSENT



The Board of Directors and Stockholders
Landmark Bancshares, Inc.
Central & Spruce Streets
Dodge City, Kansas 67801


         We consent  to the  incorporation  by  reference  in this  Registration
Statement of Landmark  Bancshares,  Inc. on Form S-8 of our report dated October
28, 1999 incorporated by reference in the Annual Report on Form 10-K of Landmark
Bancshares, Inc. for the year ended September 30, 1999.



                                                /s/ Regier Carr & Monroe, L.L.P.
                                                --------------------------------
                                                Regier Carr & Monroe, L.L.P.



January 24, 2000

Wichita, Kansas