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EXHIBIT 23 CONSENT OF EXPERTS AND COUNSEL [LETTERHEAD OF MCGOWEN HURST CLARK & SMITH, P.C.] INDEPENDENT AUDITOR'S CONSENT We consent to the use of our independent auditor's report, dated August 6, 2000, appearing in the Annual Report on Form 10-KSB of StateFed Financial Corporation for the year ended June 30, 2000. /s/ McGowen, Hurst, Clark & Smith, P.C. Des Moines, Iowa September 25, 2000
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