Exhibit 23.1

                         CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in Registration Statement No.
333-67956 on Form S-8 of EvergreenBancorp, Inc. of our report dated February 6,
2004 appearing in this Annual Report on Form 10-K of EvergreenBancorp, Inc. for
the year ended December 31, 2003.



                                                    Crowe Chizek and Company LLC

Oak Brook, Illinois
March 25, 2004