EXHIBIT 23.2






                 CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS






To Pinnacle Banc Group, Inc.:

As independent public accountants, we hereby consent to the incorporation
by reference in this Form S-4 Registration Statement of our report dated
January 15, 1999 included in Pinnacle Banc Group, Inc.'s Annual Report on
Form 10-K for the year ended December 31, 1998 and to all references to our
Firm included in this Registration Statement.


                                     /S/ Arthur Andersen LLP


Chicago, Illinois
 May 19, 1999