Consent of Independent Auditors

We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 333-75848) pertaining to the Southwest Bank 401(k) Retirement Savings
Plan of our report dated May 2, 2003, with respect to the financial statements
of the Southwest Bank 401(k) Retirement Savings Plan included in this Annual
Report (Form 11-K) for the year ended December 31, 2002.



                                      /s/Ernst & Young LLP

St. Louis, Missouri
June 27, 2003