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EXHIBIT 23.2           CONSENT OF ERNST & YOUNG LLP




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               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS




We consent to the  incorporation by reference in the  Registration  Statement of
our report dated October 24, 2001,  with respect to the  consolidated  financial
statements of Pulaski  Financial Corp. included in its Annual Report (Form 10-K)
for the year ended  September 30, 2001,  filed with the  Securities and Exchange
Commission.

/s/ Ernst & Young LLP


St. Louis, Missouri
March 14, 2002