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                                  EXHIBIT 23.2


                               CONSENT OF EXPERTS

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                 CONSENT OF ERNST & YOUNG, INDEPENDENT AUDITORS





We consent to the reference to our firm under the caption "Experts" and to the
incorporation by reference in the registration statement (Form S-3) and related
Prospectus of CoBancorp, Inc. pertaining to the CoBancorp, Inc. Dividend
Reinvestment and Stock Purchase Plan, of our report dated January 21, 1994 with
respect to the consolidated financial statements of CoBancorp Inc. and
Subsidiary, PREMIERBank & Trust, incorporated by reference in its Annual Report
(Form 10-K) for the year ended December 31, 1993, filed with the Securities and
Exchange Commission.





                                                ERNST & YOUNG





Cleveland, Ohio
May 18, 1994