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
24,  1996  incorporated  by  reference  in this  Annual  Report  on Form 10-K of
Landmark Bancshares, Inc. for the year ended September 30, 1996.









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

December 27, 1996
Wichita, Kansas