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EXHIBIT 23.1
CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
We have issued our report dated June 6, 2000, accompanying the financial
statements and schedules included in the Bay Bancshares, Inc. Employees Savings
Plan on Form 11-K for the year ended December 31, 1999. We hereby consent to the
incorporation by reference of said report in the Registration Statement of Bay
Bancshares, Inc. on Form S-8 (File No. 333-76387).
/S/ GRANT THORNTON LLP
Houston, Texas
July 10, 2000
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