INDEPENDENT AUDITORS' CONSENT



We consent to the  incorporation  by reference in  Registration  Statements  No.
333-2342,  333-55913,  333-95583, and 333-87354 of Teche Holding Company on Form
S-8 of our report  dated  November 15,  2002,  incorporated  by reference in the
Annual Report on Form 10-K of Teche Holding Company for the year ended September
30, 2002.



/s/Deloitte & Touche LLP

Deloitte & Touche LLP
New Orleans, Louisiana
December 24, 2002