EXHIBIT 23.1


                             [MOSS ADAMS LETTERHEAD]



                          INDEPENDENT AUDITORS' CONSENT
                          -----------------------------



We consent to the use in the Post-Effective Amendment Number 1 to the
Registration Statement on Form S-1 filed with the Securities and Exchange
Commission and the Post-Effective Amendment Number 1 to the MHC-2 (Application
for Approval of a Minority Stock Issuance by a Savings Association Subsidiary of
a Mutual Holding Company) filed with the Office of Thrift Supervision, of our
report dated January 30, 2004, related to the financial statements of Home
Federal Savings and Loan Association of Nampa as of September 30, 2003, 2002 and
2001 and for the years then ended appearing in such Registration Statement and
Application. We also consent to the reference to us under the headings "Selected
Financial and Other Data" and "Experts" in such Registration Statement and
Application.


/s/ MOSS ADAMS LLP

Spokane, Washington
October 14, 2004