1






                                                                    EXHIBIT 23.2


                         CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in the Registration Statement (Form
S-8) pertaining to the Scripps Bank 1992 Stock Option Plan, Scripps Bank 1995
Stock Option Plan and Scripps Bank 1998 Outside Directors Stock Option Plan of
our report dated January 18, 2000, with respect to the consolidated financial
statements of U.S. Bancorp included in its Annual Report (Form 10-K) for the
year ended December 31, 1999, filed with the Securities and Exchange Commission.


/s/ Ernst & Young LLP

Minneapolis, Minnesota
October 10, 2000