EXHIBIT 23.2

                        CONSENT OF INDEPENDENT AUDITORS

     We consent to the inclusion in this registration statement on Form S-4 of
our report dated February 3, 1998 (except for Note 13 for which the date is
March 18, 1998 and Notes 7 and 14 for which the date is October 6, 1998), on our
audits of the financial statements of Harris Webb & Garrison, Inc. We also
consent to the references to our firm under the captions "Experts."
   
                                              /s/  CHESHIER & FULLER, L.L.P.
                                                   Cheshier & Fuller, L.L.P.

Dallas, Texas
December 14, 1998