EXHIBIT 23

INDEPENDENT AUDITORS' CONSENT






We consent to the incorporation by reference in Registration Statements No.
33-81276 (1994 Stock Option Plan), 333-92143 (1999 Stock Option Plan), and
33-97850 (Employee Stock Purchase Plan), each on Form S-8, and Registration
Statement No. 33-94378 (Dividend Reinvestment Plan) on Form S-3, of our report
dated January 22, 2003, incorporated by reference in this Annual Report on Form
10-K of Southwest Bancorp, Inc. for the year ended December 31, 2002.

/s/ Ernst & Young LLP
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MARCH 27, 2003