EXHIBIT 23








INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference  in  Registration  Statement  No.
33-92224  of Mid  Continent  Bancshares,  Inc.  on Form S-8 of our report  dated
November  12, 1996  appearing  in and  incorporated  by reference in this Annual
Report  on Form  10-K of Mid  Continent  Bancshares,  Inc.  for the  year  ended
September 30, 1996.





/s/Deloitte & Touche LLP
Kansas City, Missouri
December 23, 1996