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                                  EXHIBIT 23.2

CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent public accountants, we hereby consent to the incorporation by
reference of our report on Somerset Savings Bank dated January 23, 1998 included
in UST Corp.'s Annual Report on Form 10-K for the year ended December 31, 1998
into UST Corp.'s previously filed Registration Statements No.033-56687,
033-38836 and 333-05911.

/s/ Wolf & Company, P.C.

Boston, Massachusetts
March 25, 1999