Exhibit 23.2


                              CONSENT OF KPMG LLP






The Board of Directors
Wintrust 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 Registration Statement
on Form S-3 of Wintrust Financial Corporation and Wintrust Capital Trust II.



                                 /s/ KPMG LLP

                                 KPMG LLP

Chicago, Illinois
May 18, 2000