FIFTH THIRD BANCORP
S-4, EX-23.2, 2000-12-19
STATE COMMERCIAL BANKS
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                                                                    EXHIBIT 23.2



                         INDEPENDENT AUDITORS' CONSENT


We consent to the reference to our firm under the caption "Experts" in the
Registration Statement Form S-4 and related Prospectus of Fifth Third Bancorp
for the registration of 5,800,000 shares of its common stock and to the
incorporation by reference therein of our report dated January 14, 2000, with
respect to the consolidated financial statements of Capital Holdings, Inc.
incorporated by reference in its Annual Report on Form 10-K for the year ended
December 31, 1999, filed with the Securities and Exchange Commission.

                                             /s/ ERNST & YOUNG LLP


Detroit, Michigan

December 16, 2000




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