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<PAGE>
EXHIBIT 23.2
INDEPENDENT AUDITORS' CONSENT
We consent to the use in this Registration Statement of Spectrum Bancorporation,
Inc. on Form S-1 of our report on Great Western Securities, Inc. and Subsidiary
dated September 1, 2000, appearing in the Prospectus, which is part of this
Registration Statement, and to the reference to us under the heading "Experts"
in such Prospectus.
Deloitte & Touche, LLP
Omaha, Nebraska
January 4, 2001
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