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<PAGE> 1
EXHIBIT 23
Consent of Independent Auditors
We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 (No. 333-79223) of our report dated August 4, 2000 on the
financial statements of the Metropolitan Bank and Trust 401(k) Plan appearing on
page 2 of this form 11-K.
/s/ Crowe, Chizek and Company LLP
Crowe, Chizek and Company LLP
Cleveland, Ohio
November 8, 2000
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