EXHIBIT 23.2


                     CONSENT OF COOPERS & LYBRAND L.L.P.

We consent to the incorporation by reference in this Current Report
on Form 8-K of First Charter Corporation of our report dated February 3, 1995 
on our audit of the consolidated financial statements of Bank of Union, as of 
December 31, 1994 and for the year then ended, as included in its 1994 Annual 
Report on Form F-2, which is included as Exhibit 99.11 to First Charter 
Corporation's Registration Statement on Form S-4 (Registration No. 33-63157).



                                           COOPERS & LYBRAND L.L.P.
Charlotte, North Carolina
January 4, 1996