Exhibit 23.1


                          Independent Auditors' Consent


The Board of Directors
Exchange National Bancshares, Inc.:

We consent to the use of our report dated February 15, 2002, with respect to the
consolidated balance sheets of Exchange National Bancshares, Inc. as of December
31, 2001 and 2000, and the related consolidated statements of income,
stockholders' equity and comprehensive income, and cash flows for each of the
years in the three year period ended December 31, 2001, incorporated herein by
reference and to the reference to our firm under the heading "Experts" in the
prospectus.

                                                        /s/ KPMG LLP



St. Louis, Missouri
November 20, 2002