EXHIBIT 23.3

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this Pre-Effective Amendment No.
1 to Registration  Statement No. 333-71983 of Webster  Financial  Corporation on
Form S-4 of our report dated January 23, 1998,  incorporated by reference in the
Annual  Report on Form 10-K for the year  ended  December  31,  1997 of  Village
Bancorp,  Inc.  ("Village")  and  appearing  in the  Village  Annual  Report  to
Shareholders,  and to the  reference  to us under the heading  "Experts"  in the
Proxy Statement/Prospectus, which is part of this Registration Statement.


/s/ Deloitte & Touche LLP

Stamford, Connecticut
March 18, 1999