EXHIBIT 23

                         Independent Auditors' Consent



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                                   Exhibit 23

                          INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation by reference in the  Registration  Statement of
Klamath First Bancorp,  Inc. on Form S-8 (File No. 333-4002) of our report dated
October 27, 2000, on the financial  statements appearing in the Annual Report to
stockholders  of Klamath First  Bancorp,  Inc. for the year ended  September 30,
2000.


/s/ DELOITTE & TOUCHE LLP

Portland, Oregon
December 28, 2000

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