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                                                                      EXHIBIT 24

                                      
                                      
                       CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in the Registration Statement
(Form S-8 No. 33-11890) pertaining to the St. Paul Federal Bank For Savings
Profit Sharing and Savings Plan of our report dated June 23, 1998, with respect
to the financial statements and schedules of the St. Paul Federal Bank For
Savings Profit Sharing and Savings Plan included in this Annual Report (Form
11-K) for the year ended December 31, 1997.

                                                           /s/ Ernst & Young LLP
                                                           ---------------------
                                                               Ernst & Young LLP






Chicago, Illinois
June 23, 1998