Exhibit 23.5

                        Consent of Keller & Company, Inc.




                             KELLER & COMPANY, INC.
                              555 Metro Place North
                                    Suite 524
                               Dublin, Ohio 43017
                                 (614) 766-1426
                               (614) 766-1459 FAX



June 13, 1997


Re:  Valuation Appraisal of Oregon Trail Financial Corp.
     Pioneer Bank, a Federal Savings Bank
     Baker City, Oregon

We hereby consent to the use of our firm's name, Keller & Company, Inc., and the
reference to our firm as experts in the Application for Conversion on Form AC to
be filed by  Pioneer  Bank,  a Federal  Savings  Bank with the  Office of Thrift
Supervision  and the  Registration  Statement  on Form S-1 to be filed by Oregon
Trail  Financial  Corp.  with the  Securities  and Exchange  Commission  and any
amendments  thereto,  and to the statements with respect to us and the
references to our Valuation Appraisal Report in the Prospectus,  in the said
Form AC and in the said Form S-1 and any amendments thereto.


Very truly yours,


KELLER & COMPANY, INC.

by:  /s/  Michael R. Keller
          -----------------
          Michael R. Keller
          President