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                                                                    EXHIBIT 23.2


                        CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in Registration Statement (S-8, No.
33-22590) relating to the 1986 Incentive Stock Option Plan; Registration
Statement (S-8, No. 33-41960) relating to the 1991 Non-qualified Stock Option
Plan; and Registration Statement (S-8, No. 333-38475) relating to the 1997 Stock
Option Plan, of our report dated April 28, 1997, with respect to the combined
financial statements of PAACO, Inc. and Premium Auto Acceptance Corporation for
the two years ended December 31, 1996, included in Crown Group, Inc.'s filing on
Form 8-K/A (Amendment No. 1) dated on or about April 16, 1998, filed with the
Securities and Exchange Commission.



                                             /s/ Ernst & Young LLP


April 16, 1998
Dallas, Texas