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                                                                    EXHIBIT 23.2


                       [GAUNT & COMPANY, LTD. LETTERHEAD]


        CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT


        As the independent certified public accountant of Heartland Community
Bank and its subsidiaries, we hereby consent to the use of our report and to
all references to our Firm included in or made part of this Registration
Statement.




December 31, 1996


Gaunt & Company, Ltd.