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                                                                      Exhibit 24





                        CONSENT OF INDEPENDENT AUDITORS



We consent to the incorporation by reference in the Registration Statement
(Form S-8) pertaining to St. Paul Bancorp, Inc. Stock Option Plan of our report
dated January 21, 1994, with respect to the consolidated financial statements
of St. Paul Bancorp, Inc. incorporated by reference in its Annual Report (Form
10-K) for the year ended December 31, 1993, filed with the Securities and
Exchange Commission.





                                              ERNST & YOUNG LLP




Chicago, Illinois
September 26, 1994