Exhibit 23.2

              [LETTERHEAD OF KPMG PEAT MARWICK LLP APPEARS HERE]


                        CONSENT OF INDEPENDENT AUDITORS
                        -------------------------------



The Board of Directors
Newport Federal Savings Bank:

We consent to the use of our report included herein and to the reference to our 
Firm under the heading "Experts" in the prospectus.



                                                    /s/ KPMG Peat Marwick LLP
                                                    KPMG Peat Marwick LLP

    
Little Rock, Arkansas
October 28, 1997