CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
 
    As independent public accountants, we hereby consent to the incorporation 
in the Registration Statement on Form S-4 of UST Corp. of our report dated 
January 23, 1998  relating to the consolidated financial statements of 
Somerset Savings Bank as of December 31, 1997 and 1996, and for each of the 
years in the three-year period ended December 31, 1997, which appears in the 
Current Report on Form 8-K of UST Corp. dated April 24, 1998. We also consent 
to the reference to our firm as "Experts" in the Registration Statement.
 
                                                            WOLF & COMPANY, P.C.
 
Boston, Massachuetts
April 20, 1998