EXHIBIT 23.2



                       CONSENT OF INDEPENDENT ACCOUNTANTS


         We hereby consent to the incorporation by reference in this
Registration Statement on Form S-8 of our report dated January 18, 2001 relating
to the financial statements, which appears in the 2000 Annual Report to
Shareholders of Union Planters Corporation, which is incorporated by reference
in Union Planters Corporation's Annual Report on Form 10-K for the year ended
December 31, 2000.



                                            /s/ PRICEWATERHOUSECOOPERS LLP
Memphis, Tennessee
December 3, 2001