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CHARLES E. CASTAING             CASTAING, HUSSEY & LOLAN, LLP                        MEMBERS                 
ROGER E. HUSSEY                 CERTIFIED PUBLIC ACCOUNTANTS                  AMERICAN INSTITUTE OF          
SAMUEL R. LOLAN               525 WEEKS STREET - P.O. BOX 14240           CERTIFIED PUBLIC ACCOUNTANTS       
CAROLINE C. BOUDREAUX             NEW IBERIA, LA 70562-4240                         SOCIETY OF                
PATRICK J. DAUTERIVE                --------------------             LOUISIANA CERTIFIED PUBLIC ACCOUNTANTS  
LORI D. PERCLE                       PH:  (318) 364-7221             
DEBBIE B. TAYLOR                     FAX: (318) 364-7235        
KATHERINE H. ARMENTOR        
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ROBIN G. FREYOU
DAWN K. GONSOULIN




                        INDEPENDENT AUDITOR'S CONSENT



We consent to the incorporation by reference in the Registration Statement on
Form S-8 (File No. 0-25756) of our report dated February 7, 1997 appearing in
this Annual Report on Form 10-K of ISB Financial Corporation for the year ended
December 31, 1996.




New Iberia, Louisiana
March 26, 1997