EXHIBIT 23.2


                       CONSENT OF INDEPENDENT ACCOUNTANTS


We consent to the inclusion in this registration statement on Form S-8 of our
report dated January 29, 1997, except for Note 1 (as it relates to "Earnings
Per Share" and "Common Stock Split") and Note 13 as to which the date is July
21, 1997, on our audits of the consolidated financial statements of First
International Bancorp, Inc. and Subsidiary.



COOPERS & LYBRAND L.L.P.

Hartford, Connecticut
February 6, 1998