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EXHIBIT 23
[HENRY & PETERS, PC LETTERHEAD]
CONSENT OF INDEPENDENT AUDITORS
The Board of Directors
Jacksonville Bancorp, Inc.
We consent to the use of our report dated November 15, 2000, on the consolidated
financial statements of Jacksonville Bancorp, Inc. and subsidiaries as of
September 30, 2000 and 1999, and for each of the years in the three-year period
ended September 30, 2000, in Jacksonville Bancorp, Inc.'s Form 10-K for the year
ended September 30, 2000.
/s/ HENRY & PETERS, P.C.
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HENRY & PETERS, P.C.
Tyler, Texas
December 12, 2000
