1
                                                                    Exhibit 23.6


                                                                       [LOGO]
                                                                    [LETTERHEAD]

                                   CONSENT OF
                             INDEPENDENT AUDITORS'


MATRIX FUNDING CORPORATION

         We hereby consent to the incorporation by reference to the Registration
Statement on Form S-8 of our report dated June 29, 1998, with respect to the
financial statements of Matrix Funding Corporation included in Post-Effective
Amendment No. 1 to Form S-1 (File No. 333-53779) and to the reference to our
firm under the caption "Experts" included in the Registration Statement on Form
S-1, filed with the Securities and Exchange Commission.


                                                          /s/ TANNER + CO.



August 8, 1998