EXHIBIT 23.1

                        CONSENT OF DELOITTE & TOUCHE LLP






Deloitte &
  Touche LLP
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INDEPENDENT AUDITORS' CONSENT

The Boards of Directors
Oregon Trail Financial Corp.
Pioneer Bank, a Federal Savings Bank
Baker City, Oregon
   
We consent to the use in this Amendment No. 1 to the Registration Statement on
Form S-1 on behalf of Oregon Trail Financial Corp. of our report dated May 22,
1997, relating to the consolidated financial statements of Pioneer Bank, a
Federal Savings Bank, and subsidiaries as of March 31, 1997 and for the
nine-month period then ended, which appear in such amended Registration
Statement. We also consent to the reference to us under the headings "Legal and
Tax Opinions" and "Experts" contained in the Prospectus, which is a part of such
amended Registration Statement.
    

/s/Deloitte & Touche LLP
DELOITTE & TOUCHE LLP

Portland, Oregon
August 6, 1997