9
                       Exhibit 23.2
                             
                             
                             
                             
     We consent to the incorporation by reference in this Registration
Statement of Saratoga Bancorp on Form S-8 of our report dated January 20, 1998
appearing in the Annual Report on Form 10-K of Saratoga Bancorp for the period
ended December 31, 1997.


     
DELOITTE & TOUCHE LLP


Monterey, Ca
May 27, 1998