EXHIBIT 23.2



The Board of Directors
FirstRock Bancorp, Inc.



We consent to the use of our reports incorporated herein by reference and to the
reference to our firm under the heading "Experts" in the Joint  Proxy/Prospectus
and registration statement.




/s/KPMG Peat Marwick, L.L.P.

December 12, 1994
Chicago, Illinois