EXHIBIT 23.1
                                 ------------




                                October 2, 1996



Redwood Broadcasting, Inc.
Building A, Suite I
7518 Elbow Bend Road
P.O. Box 3463
Carefree, Arizona  85377

     Re:  Pre-Effective Amendment No. 1 to S.E.C. Registration Statement on
          Form SB-2 

Ladies and Gentlemen:

     We hereby consent to the inclusion of our opinion regarding the legality
of the securities being registered by the Form SB-2 Registration Statement to
be filed with the United Stated Securities and Exchange Commission, Washington,
D.C., pursuant to the Securities Act of 1933, as amended, by Intelligent
Financial Holding Corporation, a Colorado corporation, (the "Company") in
connection with the offering by the Company and certain Selling Shareholders
described therein of up to 1,290,758 shares of its Common Stock and up to
203,008 Common Stock Put Options, as proposed and more fully described in such
Registration Statement.

     We further consent to the reference in such Registration Statement to our
having given such opinions.

                                   Sincerely,



                                   Nathan L. Stone

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