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<PAGE> Exhibit 23.3 [LETTERHEAD OF KPMG LLP] INDEPENDENT AUDITORS' CONSENT The Board of Directors for Peoples Bancorp of North Carolina, Inc. 218 South Main Avenue P.O. Box 467 Newton, NC 28658 We consent to the use of our report incorporated by reference in the Registration Statement on Form S-8 of Peoples Bancorp of North Carolina, Inc. /s/ KPMG LLP Charlotte, North Carolina September 28, 2000
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