Exhibit 23.2


                        CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form
S-8 (dated March 30, 1994)) pertaining to the Metropolitan Financial Corporation
1993 Stock Incentive Plan of our report dated January 19, 1994 with respect to 
the consolidated financial statements of Metropolitan Financial Corporation 
incorporated by reference in its Annual Report (Form 10-K) for the year ended 
December 31, 1993, filed with the Securities and Exchange Commission.


                                                       Ernst & Young

Minneapolis, Minnesota
March 30, 1994