Exhibit 23.1

                       CONSENT OF INDEPENDENT ACCOUNTANTS

     We consent to the  inclusion in this  Pre-Effective  Amendment No. 1 to the
registration  statement  on Form SB-2 of our report  dated April 10, 2000 on our
audits of the consolidated financial statements of UNIVERSAL MONEY CENTERS, INC.
We also consent to the reference to our firm under the caption "Experts."


                                                       /s/ BAIRD, KURTZ & DOBSON



Kansas City, Missouri
August 2, 2000