1


EXHIBIT 23                 CONSENT OF DELOITTE & TOUCHE LLP




 2


                                                                    Exhibit 23.2


INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this  Registration  Statement of
Monterey  Bay  Bancorp,  Inc. on Form S-8 of our report  dated  March 18,  1996,
included in the Annual Report on Form 10-K of Monterey Bay Bancorp, Inc. for the
year ended December 31, 1995.





/S/ DELOITTE & TOUCHE LLP


San Francisco, California
June 26, 1996