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                                                                    EXHIBIT 23.3



                       CONSENT OF INDEPENDENT ACCOUNTANTS








We consent to the inclusion in this Amendment 5 to the registration statement on
Form S-1 of our report dated March 1, 2000, on our audits of the consolidated
financial statements of BLUE VALLEY BAN CORP. We also consent to the reference
to our firm under the caption "Experts."




                                        /s/ Baird, Kurtz & Dobson







Kansas City, Missouri
July 18, 2000