EXHIBIT 23
Board of Directors
East Texas Financial Services, Inc.
1200 S. Beckham
Tyler, Texas 75701
Members of the Board:
We consent to the incorporation by reference in the Registration Statement
on Form S-8 of East Texas Financial Services, Inc. (the "Company") of our report
on the financial statements included in the Company's Current Report on Form
8-K/A for the report dated June 30, 2000, filed pursuant to the Securities
Exchange Act of 1934, as amended.
/s/ Henry and Peters, P.C.
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Henry and Peters, P.C.
Tyler, Texas
September 12, 2000
