TECHE HOLDING CO
10-K405, EX-23, 2000-12-29
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                   EXHIBIT 23


<PAGE>


                          INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference in  Registration  Statements  No.
333-2342,  333-55913,  and 333-95583 of Teche Holding Company on Form S-8 of our
report dated November 10, 2000,  incorporated  by reference in the Annual Report
on Form 10-K of Teche Holding Company for the year ended September 30, 2000.



/s/Deloitte & Touche LLP

Deloitte & Touche LLP
New Orleans, Louisiana
December 26, 2000




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