EXHIBIT 23






                INDEPENDENT AUDITOR'S CONSENT



We consent to the  incorporation  by reference  in  Registration  statement  No.
33-95072 of Landmark  Bancshares,  Inc. on Form S-8 of our report dated  October
26,  2000  incorporated  by  reference  in this  Annual  Report  on Form 10-K of
Landmark Bancshares, Inc. for the year ended September 30, 2000.




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



December 21, 2000
Wichita, Kansas