Exhibit 23.3
[LETTERHEAD OF RP FINANCIAL]


                                         June 14, 1996

Board of Directors
Community Bank of Excelsior Springs, A Savings Bank
1001 N. Jesse James Road
Excelsior Springs, Missouri  64024

Gentlemen:

     We hereby consent to the use of our firm's name in the Application for
Conversion of Community Bank of Excelsior Springs, A Savings Bank, Excelsior
Springs, Missouri, and any amendments thereto, in the Form S-B2 Registration
Statement for CBES Bancorp, Inc., and any amendments thereto, and in the Form AC
for Community Bank of Excelsior Springs, A Savings Bank, and any amendments
thereto. We also hereby consent to the inclusion of, summary of and references
to our Appraisal Report and our statement concerning subscription rights in such
filings including the Prospectus of CBES Bancorp, Inc.

                                             Very truly yours,

                                             RP FINANCIAL, LC.


                                             /s/ Ronald S. Riggins
                                             Ronald S. Riggins
                                             President