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EXHIBIT 23.1 INDEPENDENT AUDITOR'S CONSENT We consent to the incorporation by reference in this registration statement on Form S-8 of Rampart Capital Corporation of our report dated February 25, 2000, appearing in the Annual Report on Form 10-KSB of Rampart Capital Corporation for the year ended December 31, 1999. /s/ Pannell Kerr Forster of Texas, P.C. Houston, Texas September 18, 2000 <PAGE>
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