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  of FSF  Financial  Corp.  and
Subsidiaries as of September 30, 2000 and the related consolidated statements of
income,  comprehensive  income,  changes in stockholders' equity, and cash flows
for the two years then  ended,  which  report is  attached as an exhibit to Form
10-K for the year ended September 30, 2001.


/s/Bertram Cooper & Co. LLP
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Bertram Cooper & Co. LLP
Waseca, Minnesota
December 7, 2001














                        INDEPENDENT ACCOUNTANTS' CONSENT



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


We consent to the use of our report dated  November  20,  2001,  relating to the
consolidated  statements  of financial  condition  of FSF  Financial  Corp.  and
Subsidiaries as of September 30, 2001 and the related consolidated statements of
income,  comprehensive  income,  changes in stockholders' equity, and cash flows
for the year then ended, which report appears in the Corporation's September 30,
2001 annual report and incorporated by reference in Form 10-K.


/s/Larson, Allen, Weishair & Co. LLP
- ------------------------------------


Larson, Allen, Weishair & Co. LLP
Waseca, Minnesota
December 7, 2001