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                                                                    EXHIBIT 23.2
 
              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
 
The Board of Directors
NFS Financial Corp.:
 
     We consent to the use of our report incorporated herein by reference and to
the reference to our firm under the heading "EXPERTS" in the prospectus and
proxy statement.
 
                                          /s/ KPMG Peat Marwick LLP
 
Boston, Massachusetts
   
March 16, 1995