Exhibit 23.2 Summit [Kemper [logo] International CPA Group Associates Letterhead] Inc. CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS We consent to the use of our independent auditor's report dated January 20, 1995 on the 1994 and 1993 consolidated financial statements of First Robinson Bancorp included herein and to the reference to our firm under the heading "Experts" in the Form S-4 Registration Statement. /s/ Kemper CPA Group, L.L.C. Kemper CPA Group, L.L.C. Certified Public Accountants Robinson, Illinois July 12, 1995 0002\10\s-4\exh-23.2