[LETTERHEAD OF PADGETT, STRATEMANN & CO., L.L.P.]
INDEPENDENT AUDITORS' CONSENT
Community Bank of Central Texas, ssb
Smithville, Texas
We consent to the use in this Registration Statement on Form SB-2 for CBCT
Bancshares, Inc., of our report of Community Bank of Central Texas, ssb, dated
January 13, 2000, appearing in the Prospectus, which is a part of this
Registration Statement, and to the reference to us under the heading of
"Experts" in such Prospectus.
/s/ Padgett, Stratemann & Co.
San Antonio, Texas
July 10, 2000
