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EXHIBIT 23
FORM 11-K
CONSENT OF INDEPENDENT ACCOUNTANT
We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 333-09455 dated August 2, 1996) pertaining to the Citizens Banking
Corporation Amended and Restated Section 401(k) Plan and in the related
prospectus of our report dated June 22, 2000, with respect to the financial
statements and schedules of the Citizens Banking Corporation Amended and
Restated Section 401(k) Plan included in the annual report (Form 11-K) for the
year ended December 31, 1999.
/s/ Ernst & Young
Detroit, Michigan
June 23, 2000
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