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                                                                EXHIBIT 23.2

                      CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the inclusion in this Registration Statement on Form S-1 
of our report dated July 29, 1997, on our audits of the financial statements of
Bingham Financial Services Corporation as of June 30, 1997 and for the period of
January 2 (date of inception) to June 30, 1997.  We also consent to the 
reference of our firm under the caption "Experts."


Coopers & Lybrand L.L.P.
Detroit, Michigan
August 25, 1997