<PAGE>
INDEPENDENT AUDITORS' CONSENT
We consent to the use in this Registration Statement of Brooke Corporation on
Form 10-SB of our report dated March 2, 2000 accompanying the financial
statements and schedules and our report dated September 27, 2000 accompanying
the pro forma financial information appearing in the Prospectus, which is part
of this Registration Statement. We also consent to the reference to us under the
heading "Experts" in such Prospectus.
Summers, Spencer & Cavanaugh, CPAs, Chartered
Topeka, Kansas
October 17, 2000
