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                                                                    EXHIBIT 23.2
 
                         INDEPENDENT AUDITORS' CONSENT
 
We consent to the reference to our firm under the caption "Experts" in this
Registration Statement on Form S-4 and the related Prospectus/Proxy Statement
and to the inclusion therein of our report, dated January 30, 1998, with respect
to the consolidated financial statements of Pioneer Bancshares, Inc. for the
year ended December 31, 1997.
 
                                         /s/ JOSEPH DECOSIMO AND COMPANY, LLP
                                         ---------------------------------------
                                             JOSEPH DECOSIMO AND COMPANY, LLP
 
Chattanooga, Tennessee
October 27, 1998