1
                                                                   Exhibit 23.2

                        Consent of Independent Auditors



We consent to the reference to our firm under the caption "Experts" and to the
use of our report dated January 28, 2000, with respect to the consolidated
financial statements of Keystone Financial, Inc. (Keystone) and subsidiaries
incorporated by reference in its Annual Report (Form 10-K) for the year ended
December 31, 1999, included by reference in this Registration Statement (Form
S-4) and related Prospectus of M&T Bank Corporation (M&T) for the registration
of its common stock in connection with the proposed business combination of
Keystone and M&T.








Pittsburgh, Pennsylvania
June 29, 2000