EXHIBIT 23.7

                     CONSENT OF J.P. MORGAN SECURITIES INC.

     We hereby consent to (i) the use of our opinion letter to the Board of
Directors of TEI, Inc. (the "Company") included in Appendix E to the Proxy
Statement/Prospectus which forms a part of the Registration Statement on Form
S-4 relating to the proposed combination of the Company with Harris, Webb &
Garrison, Inc., Pinnacle Management & Trust Company, and Spires Financial, L.P.,
and (ii) the references to such opinion in such Proxy Statement/Prospectus. In
giving such consent, we do not admit that we come within the category of persons
whose consent is required under Section 7 of the Securities Act of 1933, as
amended, or the rules and regulations of the Securities Act of 1933, as amended,
or the rules and regulations of the Securities and Exchange Commission
thereunder, nor do we hereby admit that we are experts with respect to any part
of such Registration Statement within the meaning of the term "experts" as
used in the Securities Act of 1933, as amended, or the rules and regulations of
the Securities and Exchange Commission thereunder.

                                               /s/ J.P. MORGAN SECURITIES INC.
                                                   J.P. MORGAN SECURITIES INC.

December 7, 1998