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                                                                    Exhibit 23.2

                             ACCOUNTANTS' CONSENT




We consent to the inclusion in the Registration Statement on Form S-1 of
Metropolitan Financial Corp. of our report dated February 23, 1996 on the
consolidated financial statements of Metropolitan Financial Corp. as of
December 31, 1995 and 1994 and for each of the three years in the  period 
ended December 31, 1995. We also consent to the reference to us under the 
heading "Experts" in the Registration Statement.

                                          /s/ Crowe, Chizek and Company LLP

                                          Crowe, Chizek and Company LLP

Cleveland, Ohio
September 18, 1996