Exhibit 23.1

                      [PRICEWATERHOUSECOOPERS LETTERHEAD]

                       CONSENT OF INDEPENDENT ACCOUNTANTS

                             ----------------------

We consent to the incorporation by reference in the Prospectus Supplement of
Home Loan and Investment Bank, F.S.B. relating to Mortgage Pass-Through
Certificates 2000-1 of our report dated January 26, 1999 on our audits of the
consolidated financial statements of Financial Security Assurance Inc. and
Subsidiaries as of December 31, 1998 and 1997, and for each of the three years
in the period ended December 31, 1998. We also consent to the reference to our
Firm under the caption "Experts".


                                        /s/ PricewaterhouseCoopers LLP
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                                        PricewaterhouseCoopers LLP


March 10, 2000