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                                                                    Exhibit 23.2

                        Consent of Independent Auditors


We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated July 21, 1999, with respect to the consolidated
financial statements of York Financial Corp. included in the Registration
Statement Form S-1 and related Prospectus of Harris Financial Inc. for the
registration of 30,417,500 shares of its common stock.


                                                      /s/ Ernst & Young LLP
Baltimore, Maryland
June 19, 2000



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