Exhibit 23.1






                    CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in the Registration 
Statements (Forms S-8, No. 33-41525 and No. 33-60924) pertaining to the 
Metropolitan Financial Corporation 401(k) Savings Plan, (Forms S-8 No. 
33-41711 and No. 33-60936) pertaining to the Metropolitan Financial 
Corporation 1990 Stock Option Plan, (Form S-8 No. 33-47849) pertaining 
to the Metropolitan Financial Corporation Employee Stock Purchase Plan, 
(Form S-8 No. 33-47848) pertaining to the Edina Realty, Inc. Sales 
Associate Stock Purchase Plan and (Form S-8 No. 60914) pertaining to the 
Metropolitan Financial Corporation Executive Incentive Compensation Plan 
of our report dated January 19, 1994, with respect to the consolidated 
financial statements of Metropolitan Financial Corporation incorporated 
by reference in its Annual Report (Form 10-K) for the year ended 
December 31, 1993.



                                                           Ernst & Young


Minneapolis, Minnesota
March 25, 1994