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                                  EXHIBIT 23.2

                              Consent of KPMG LLP.


                            [Letterhead of KPMG LLP]



The Board of Directors
Charter Financial Corporation:

We consent to the use of our report dated November 16, 2001, with respect to the
consolidated statements of assets and liabilities transferred in reorganization
of Charter Financial Corporation and subsidiaries as of September 30, 2001 and
2000, and the related consolidated statements of income and comprehensive income
relating to assets and liabilities transferred in reorganization, changes in
equity transferred in reorganization, and cash flows of assets and liabilities
transferred in reorganization for each of the years in the three-year period
ended September 30, 2001, incorporated herein by reference.



/s/ KPMG LLP

Atlanta, Georgia
August 13, 2002