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                                                                  EXHIBIT (23)C



                       CONSENT OF INDEPENDENT AUDITORS




We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-4) and related Prospectus pertaining to D&N
Financial Corporation for the registration of its common stock and to the
incorporation by reference therein of our report dated January 29, 1993, with
respect to the consolidated financial statements of D&N Financial Corporation
included in its Annual Report (Form 10-K) for the year ended December 31, 1994,
filed with the Securities and Exchange Commission.


                                            /s/ Ernst & Young LLP

December 22, 1995
Chicago, Illinois