EXHIBIT 23.7
 
                                   CONSENT OF
                         KEEFE, BRUYETTE & WOODS, INC.
 
     We hereby consent to the use in this Registration Statement on Form S-4 of
our letter to the Board of Directors of American Federal Bank, FSB included as
Annex C to the Prospectus/Joint Proxy Statement forming a part of this
Registration Statement on Form S-4 and to all references to our firm in such
Prospectus/Joint Proxy Statement. In giving such consent, we do not hereby admit
that we come within the category of persons whose consent is required under
Section 7 of the Securities Act of 1933 or the rules and regulations of the
Securities and Exchange Commission thereunder, nor do we admit that we are
experts with respect to any part of such Registration Statement within the
meaning of the term "experts" as used in the Securities Act or the rules and
regulations of the Securities Act or the rules and regulations of the Securities
and Exchange Commission thereunder.
 
                                         KEEFE, BRUYETTE & WOODS, INC.
 
                                         By: /s/        EMMETT J. DALY
 
                                                      Emmett J. Daly
                                                   Senior Vice President
 
Dated: June 6, 1997