Exhibit 23

                       CONSENT OF INDEPENDENT AUDITORS



We hereby consent to the incorporation by reference in the following
Registration Statements and in the related prospectuses of our report dated
February 1, 2002 on the consolidated statement of financial condition of
Metropolitan Financial Corp. as of December 31, 2001 and 2000, and the related
consolidated statements of operations, changes in shareholders' equity and cash
flows for each of the three years in the period ended December 31, 2001; which
report is included in this Annual Report on Form 10-K.


Form S-8 No. 333-69339
Form S-8 No. 333-79223
Form S-8 No. 333-86115
Form S-3 No. 333-37094
Form S-8 No. 333-42474

                                                 Crowe, Chizek and Company LLP

Cleveland, Ohio
March 25, 2002