INDEPENDENT AUDITOR'S CONSENT (KPMG LLP)

Published on November 5, 1999


EXHIBIT 23.07


INDEPENDENT AUDITOR'S CONSENT

The Board of Directors
Rock Financial Corporation:

We consent to the use of our report incorporated herein by reference and to the
reference to our firm under the heading "Experts" in the prospectus.

/s/ KPMG LLP

Detroit, Michigan
November 5, 1999