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                                                                  EXHIBIT (23)C



                       CONSENT OF INDEPENDENT AUDITORS




   
We consent to the reference to our firm under the caption "Experts" in  
Amendment No. 1 to the Registration Statement (Form S-4 No. 33-65429) and
related Prospectus pertaining to D&N Financial Corporation for the registration
of 965,572 shares 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

February 1, 1996
Chicago, Illinois