Exhibit 23.2

CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form S-8 No. 333-08599) pertaining to the Arcadia Financial Ltd. 401(k) Profit Sharing Plan of our report dated June 4, 1999, with respect to the financial statements and schedules of the Arcadia Financial Ltd. 401(k) Profit Sharing Plan included in this Annual Report (Form 11-K) for the year ended December 31, 1998.

Minneapolis, Minnesota

June 28, 2000

/s/ Ernst & Young LLP