Exhibit 23.2 CONSENT OF INDEPENDENT ACCOUNTANTS As independent public accountants, we hereby consent to the incorporation by reference in this post-effective amendment to the registration on Form S-4 as a registration statement on Form S-8, of our report dated January 29, 1996 included in UST Corp.'s Form 10-K for the year ended December 31, 1995, and to all references to our Firm included in this registration statement. /s/ Arthur Andersen LLP Arthur Andersen LLP Boston, Massachusetts January 31, 1997