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                                                                    EXHIBIT 23.2
 
                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
 
     We consent to the inclusion in this registration statement on Form S-4 of
our report, which includes an explanatory paragraph that refers to changes in
accounting principles related to the adoption in 1993 of the provisions of the
Financial Accounting Standards Board's Statements of Financial Accounting
Standards No. 109, Accounting for Income Taxes and No. 115, Accounting for
Certain Investments in Debt on Equity Securities, dated January 24, 1995 on our
audits of the consolidated financial statements of First City Bancorp, Inc. and
Subsidiaries. We also consent to the reference to our firm under the caption
"Experts".
 
Lexington, Kentucky                                 COOPERS & LYBRAND L.L.P
January 26, 1996