EXHIBIT 23.2

            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the use in this registration statement on Form S-4 of our
report dated January 13, 2004, relating to the December 31, 2003 and December
31, 2002 financial statements of Discovery Bank, and our report dated January
16, 2002 relating to the December 31, 2001 financial statements of Discovery
Bank, which appear in such registration statement.

January 13, 2005
Los Angeles, California
                                                Moss Adams LLP