Exhibit 23.2


                         CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference, in the Registration Statements
listed below, of our report dated March 1, 2002, on the consolidated balance
sheet as of December 31, 2001, and the related consolidated statements of
income, shareholders' equity, and cash flows for each of the two years in the
period ended December 31, 2001, of The PNC Financial Services Group, Inc. and
subsidiaries included in this Form 10-K/A Amendment No. 2 for the year ended
December 31, 2002.

Form S-3 relating to the Corporation's Dividend Reinvestment and Stock Purchase
Plan (No. 333-19003)

Form S-8s relating to the Corporation's Supplemental Incentive Savings Plan and
the Corporation and Affiliates Deferred Compensation Plan (Nos. 333-18069 and
333-65040)

Form S-8s relating to the Corporation's 1997 Long-Term Incentive Award Plan
(Nos. 33-54960 and 333-53806)

Form S-8 relating to the 1987 Senior Executive Long-Term Award Plan of PNC Bank
Corp. (as amended, the PNC Bank Corp. 1992 Long-Term Incentive Award Plan) (No.
33-28828)

Form S-8s relating to the Corporation's Incentive Savings Plan (formerly The PNC
Financial Services Group, Inc. Incentive Savings Plan and PNC Retirement Savings
Plan) (Nos. 33-25140, 333-03901 and 333-65042)

Form S-8 relating to the Corporation's 1996 Executive Incentive Award Plan (No.
333-74666)

Form S-8 relating to the Corporation's Employee Stock Purchase Plan (No.
333-25867)

Form S-3s relating to the shelf registration of capital securities of PNC
Capital Trust C, PNC Capital Trust D, PNC Capital Trust E and PNC Capital Trust
F, unconditionally guaranteed, to the extent described therein, by PNC Bank
Corp. (Nos. 333-50651, 333-50651-01, 333-50651-02, 333-50651-03, and
333-50651-04)

Form S-3 relating to the shelf registration of debt securities of PNC Funding
Corp., unconditionally guaranteed by the Corporation, and/or warrants to
purchase such debt securities, and/or common stock and/or preferred stock and/or
depositary shares of the Corporation and/or warrants to purchase such common
stock, preferred stock and/or depository shares (Nos. 333-69576 and
333-69576-01)

Form S-4 relating to the registration of securities of the Corporation issuable
to shareholders of United National Bancorp upon consummation of the merger of
United National Bancorp with and into a subsidiary of the Corporation (No.
333-109575)


/s/ Ernst & Young LLP

Pittsburgh, Pennsylvania
October 22, 2003