EXHIBIT 23.2


         ARTHUR ANDERSEN LLP


Consent of Independent Public Accountants

As independent public accountants, we hereby consent to the incorporation by
reference in this registration statement of our report dated February 11,
2000, included in California Independent Bancorp's Form 10-K for the year
ended December 31, 1999 and to all references to our Firm included in this
registration statement.

Arthur Andersen LLP


Sacramento, California
June 21, 2000