EXHIBIT 23.2 CONSENT OF PRICE WATERHOUSE LLP EXHIBIT 23.2 CONSENT OF PRICE WATERHOUSE LLP We hereby consent to the incorporation by reference in the Reoffer Prospectus constituting part of this Registration Statement on Form S-8 of our report dated February 19, 1997 included in North County Bancorp's Form 10-KSB for the year ended December 31, 1996. We also consent to the references to us under the Heading "Experts" in such Reoffer Prospectus. /s/ Price Waterhouse LLP --------------------- Price Waterhouse LLP July 31, 1997