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                                                                    Exhibit 23.2



                    CONSENT OF CERTIFIED PUBLIC ACCOUNTANTS



The Board of Directors
Argo Bancorp, Inc.:

We consent to incorporation by reference in the December 31, 1999 annual report
on Form 10-K of Argo Bancorp, Inc., of our report dated March 24, 1998, related
to the consolidated statements of operations, stockholders' equity and cash
flows for the year ended December 31, 1997.



                                        KPMG LLP

Chicago, Illinois
March 28, 2000