EXHIBIT 23.2

                       Consent of Independent Accountants






Bertram Cooper & Co. LLP

110 Second Avenue, SE
Waseca, MN  56093







                        INDEPENDENT ACCOUNTANTS' CONSENT




The Board of Directors and Stockholders
FSF Financial Corp.
Hutchinson, MN 55350



         We consent to incorporation by reference in the Registration  Statement
on Form S-8, of our report dated October 24, 1997,  relating to the consolidated
balance  sheets of FSF Financial  Corp.  and subsidiary as of September 30, 1997
and  1996 and the  related  consolidated  statements  of  income,  stockholders'
equity,  and cash flows for the years then ended,  which  report  appears in the
September 30, 1997 annual report on Form 10-K of FSF Financial Corp.


/s/ Bertram Cooper & Co. LLP

Bertram Cooper & Co. LLP
Wascea, Minnesota
September 8, 1998