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                                                          EXHIBIT 23.2



                     [ McGLADREY AND PULLEN LETTERHEAD ]



                      CONSENT OF INDEPENDENT ACCOUNTANTS
                                
                                
                                

We  consent to the reference to our firm under the caption "Experts" and to 
the use of our report, dated January 17, 1996, (except for Note 15 for which
the date is May 20, 1996),  with respect to the consolidated financial
statements of UnionBancorp, Inc. and Subsidiaries and our report dated May
24, 1996 with respect to the consolidated financial statements of Country
Bancshares, Inc. and Subsidiaries, included in this Registration Statement 
(Form S-1 to be filed on or about August 9, 1996) and related prospectus of 
UnionBancorp, Inc, for the offering of 1,265,000 shares of common stock.  


McGladrey & Pullen, LLP

Champaign, Illinois                     
August 5, 1996

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               CONSENT OF INDEPENDENT ACCOUNTANTS
                                
                                
                                

We  consent to the reference to our firm under the caption "Experts" and to the
use  of our report, dated January 26, 1996,  with respect to the
consolidated financial statements of Prairie Bancorp, Inc. and Subsidiaries,
included in this Registration Statement (Form S-1 to be filed on or about August
9, 1996) and related prospectus of  UnionBancorp, Inc, for the offering of
1,265,000 shares of common stock.  


McGladrey & Pullen, LLP

Davenport, Iowa                         
August 5, 1996