Exhibit 23




            CONSENT OF BAIRD, KURTZ & DOBSON, INDEPENDENT ACCOUNTANTS




We have issued our report dated July 28,  2000,  accompanying  the  consolidated
financial statements of North Arkansas  Bancshares,  Inc. which are incorporated
within the Annual  Report on Form  10-KSB for the year ended June 30,  2000.  We
hereby  consent  to  the  incorporation  by  reference  of  said  report  in the
Corporation's Form S-8.




                                                  BAIRD, KURTZ & DOBSON

                                                 /s/ Baird, Kurtz & Dobson

Little Rock, Arkansas
September 26, 2000



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