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Exhibit 23.3

Independent Auditors' Consent

The Board of Directors
Texas Regional Bancshares, Inc.:

We consent to the use of our report incorporated by reference herein and to the references to our firm under the headings "Experts" and "Material United States Federal Income Tax Consequences of the Merger" in the proxy statement/prospectus. Our report refers to a change in the method of accounting for goodwill and other intangible assets in 2002.

/s/ KPMG LLP

Austin, Texas
February 10, 2004

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Independent Auditors' Consent