EXHIBIT 23.2


INDEPENDENT AUDITORS' CONSENT



We consent to the  incorporation  by reference in  Registration  Statements  No.
33-81276  (1994 Stock Option  Plan),  333-92143  (1999 Stock Option  Plan),  and
33-97850  (Employee  Stock Purchase  Plan),  each on Form S-8, and  Registration
Statement No. 33-94378  (Dividend  Reinvestment Plan) on Form S-3, of our report
dated  January  28,  2000,  appearing  in this  Annual  Report  on Form  10-K of
Southwest Bancorp, Inc. for the year ended December 31, 2000.

/s/ Deloitte & Touche LLP
Oklahoma City, Oklahoma
March 28, 2001