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                            EXHIBIT 23 TO FORM 10-K
 
                        UNITED MISSOURI BANCSHARES, INC.
                         INDEPENDENT AUDITORS' CONSENT
 
     We consent to the incorporation by reference in the following Registration
Statements of United Missouri Bancshares, Inc. and Subsidiaries of our report
dated February 23, 1994, incorporated by reference in this Annual Report on Form
10-K of United Missouri Bancshares, Inc. and Subsidiaries for the year ended
December 31, 1993.
 
          On Form S-3 --
 
             Amendment No. 4 to Registration Statement No. 33-55394
 
          On Form S-8 --
 
             Registration Statement No. 33-58312
 
/s/ DELOITTE & TOUCHE
 
Kansas City, Missouri
March 18, 1994