BANK ONE CORP
S-3, EX-23.2, 2000-06-07
NATIONAL COMMERCIAL BANKS
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                                                              Exhibit 23.2


                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


To BANK ONE CORPORATION:

     As independent public accountants, we hereby consent to the incorporation
by reference in this Form S-3 Registration Statement of our report dated January
17, 2000, on the consolidated financial statements of BANK ONE CORPORATION
included in the Form 10-K of BANK ONE CORPORATION as of December 31, 1999 and
1998 and for the three years ended December 31, 1999 and to the reference to our
Firm under the caption "Experts" included in this Registration Statement.



                                    /s/ Arthur Andersen LLP


Chicago, Illinois,
June 2, 2000


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