SOUTHWEST BANCORP OF TEXAS INC
S-3, EX-23.1, 2001-01-04
NATIONAL COMMERCIAL BANKS
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                                                                    EXHIBIT 23.1




                       CONSENT OF INDEPENDENT ACCOUNTANTS


         We hereby consent to the incorporation by reference in this
Registration Statement on Form S-3 of our report dated February 10, 2000
relating to the financial statements, which appears in Southwest
Bancorporation of Texas, Inc.'s Annual Report on Form 10-K for the year ended
December 31, 1999. We also consent to the reference to us under the heading
"Experts" in such Registration Statement.

                                                     PricewaterhouseCoopers LLP



Houston, Texas
January 3, 2001



                                        II-7



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