USAA STATE TAX FREE TRUST
485BPOS, EX-99.B10, 2000-07-31
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                                   EXHIBIT 10

                       CONSENT OF INDEPENDENT ACCOUNTANTS
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                                                                     Exhibit 10



                         INDEPENDENT AUDITORS' CONSENT


The Shareholders and Board of Trustees
USAA State Tax-Free Trust:

We consent to the use of our report dated May 5, 2000,  incorporated  herein by
reference  and to the  references  to our form  under the  headings  "Financial
Highlights" in the prospectus  and  "Independent  Auditors" in the statement of
additional information.

                                                              /S/ KPMG LLP


San Antonio, Texas
July 28, 2000




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