EXHIBIT 23.2



                            MCGLADREY & PULLEN, LLP
                            -----------------------
                  Certified Public Accountants and Consultants



                         INDEPENDENT AUDITOR'S CONSENT



       We hereby consent to the use of this Registration Statement of
       our report, dated July 28, 1995, relating to the consolidated
       financial statements of CF Bancorp, Inc. and subsidiaries, and to
       the reference to our Firm under the caption "Experts" in the
       Prospectus.



                            McGLADREY & PULLEN, LLP



       Davenport, Iowa
       September 8, 1995