EXHIBIT NO. 23.1



INDEPENDENT AUDITOR'S CONSENT

We consent to the incorporation by reference in this  Registration  Statement of
FSF Financial Corp. on Form S-3 of our report dated October 23, 1998,  appearing
in the  Annual  Report on Form 10-K of FSF  Financial  Corp.  for the year ended
September 30, 1998 and to the reference to us under the heading "Experts" in the
Prospectus, which is part of this Registration Statement.


/s/ Bertram Cooper & Co., LLP

Bertram Cooper & Co., LLP
Waseca, Minnesota
July 14, 1999