EXHIBIT 23.2

                      Consent of Independent Accountants



                        [ATKINSON & CO. LTD. LETTERHEAD]



                       INDEPENDENT ACCOUNTANTS' CONSENT

Board of Directors
GFSB Bancorp, Inc.
221 Aztec Avenue
Gallup, New Mexico  87031

We consent to incorporation by reference in this Registration Statement on
Form S-8 related to the GFSB Bancorp,  Inc. 1995 Stock Option Plan of our report
on the consolidated  financial statements of GFSB Bancorp, Inc., included in the
Form 10-KSB of GFSB Bancorp, Inc. for the fiscal year ended June 30, 1995.



                                          /s/Atkinson & Co., Ltd.
                                          Atkinson & Co., Ltd.

Alburquerque, New Mexico
June 28, 1996