EXHIBIT 23

                        INDEPENDENT ACCOUNTANTS' CONSENT


The Board of Directors and Stockholders
FSF Financial Corp.
Hutchinson, Minnesota 55350



We consent to the use of our report  dated  October  25,  2000,  relating to the
consolidated   statements  of  financial   condition  FSF  Financial  Corp.  and
Subsidiaries  as of  September  30, 2000 and 1999 and the  related  consolidated
statements of income,  changes in stockholders'  equity,  and cash flows for the
years then ended,  which report appears in the Corporation's  September 30, 2000
annual report and incorporated by reference in Form 10-K.



/s/Bertram Cooper & Co., LLP


Bertram Cooper & Co., LLP
Waseca, Minnesota
December 11, 2000