AMERICAN PHYSICIANS SERVICE GROUP INC
S-4/A, EX-23, 2000-09-25
MANAGEMENT SERVICES
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Independent Auditors' Consent



The Board of Directors
American Physicians Service Group, Inc.:



We consent to the use of our reports incorporated herein by reference and to the
reference to our firm under the heading "Experts" in the prospectus.



                                                          /s/ KPMG LLP
                                                          --------------------
                                                          KPMG LLP





Austin, Texas
September 25, 2000



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