EXHIBIT 23.2

                        CONSENT OF COOPERS & LYBRAND LLP





                        Coopers & Lybrand LLP Letterhead


CONSENT OF INDEPENDENT ACCOUNTANTS

   
We consent to the inclusion in Pre-Effective Amendment No. 1 to the Registration
Statement of Oregon Trail Financial Corp. on Form S-1 of our report dated August
2, 1996, on our audits of the consolidated financial statements of Pioneer Bank,
a Federal Savings Bank, and subsidiaries as of June 30, 1996 and for the years
ended June 30, 1996 and 1995. We also consent to the reference to our firm under
the caption "Experts."
    

/s/Coopers & Lybrand LLP
COOPERS & LYBRAND LLP

Boise, Idaho
August 6, 1997