EXHIBIT 23.3



                          Capital Resources Group, Inc.
         1211 Connecticut Ave., N.W. - Suite 200 - Washington, DC 20036
                     - Tel(202) 466-5685 - Fax(202) 466-5695



                                                    March 16, 1998



Board of Directors
First Kansas Federal Savings Association
600 Main Street
Osawatomie, Kansas 66064

Dear Board Members:

         We hereby consent to the use of our firm's name, Capital
Resources Group, Inc. ("CRG") in the Application for Approval of
Conversion filed by First Kansas Federal Savings Association for
permission to convert to a capital stock savings bank and
references to the Conversion Valuation Appraisal Report ("Report")
and the valuation of First Kansas Federal Savings Association
provided by CRG.  We also consent to the use of our firm's name and
references to our Report in the Form SB-2 Registration Statement
filed by First Kansas Financial Corporation.

                                             Very truly yours,



                                             /s/Michael B. Seiler
                                             -----------------------------------
                                             Michael B. Seiler
                                             Senior Vice President