EXHIBIT 23
                                                                     (FORM 10-K)


               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS



We consent to the incorporation by reference in (1) the Registration Statement
(Form S-8 No. 33-47686 dated May 5, 1992) pertaining to the Citizens Banking
Corporation Second Amended Stock Option Plan; (2) the Registration Statement
(Form S-8 No. 33-61197 dated July 21, 1995) pertaining to the Citizens Banking
Corporation Stock Option Plan for Directors; (3) the Registration Statement
(Form S-8 No. 333-09455 dated August 2, 1996) pertaining to the Citizens Banking
Corporation Amended and Restated Section 401(k) Plan; (4) the Registration
Statement (Post Effective Amendment No. 1 to Form S-4 on Form S-8 No. 333-86569
dated December 22, 1999) pertaining to the F&M Bancorporation, Inc. stock option
plans; and (5) the Registration Statement (Form S-8 No. 333-40100 dated June 26,
2000) pertaining to the Citizens Banking Corporation All Employee Stock Option
Plan, of our report dated January 17, 2002, with respect to the consolidated
financial statements of Citizens Banking Corporation included in the annual
report (Form 10-K) for the year ended December 31, 2001.


/s/ Ernst & Young LLP
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Ernst & Young LLP

Detroit, Michigan
March 25, 2002