FIFTH THIRD BANCORP, S-4/A, EX-23.2, 2001-01-16

FIFTH THIRD BANCORP
S-4/A, EX-23.2, 2001-01-16
STATE COMMERCIAL BANKS

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<PAGE>   1
                                                                    EXHIBIT 23.2



                         INDEPENDENT AUDITORS' CONSENT


We consent to the reference to our firm under the caption "Experts" in the
Amendment No. 1 to Registration Statement Form S-4 No. 333-52188 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

January 16, 2001