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Francis
& Co., CPAs
The Board of Directors
NBOG Bancorporation, Inc.
1294 West Ridge Road, Suite E
Gainesville, Georgia 30501
Ladies and Gentlemen:
We hereby consent to the use in this Registration Statement on Form SB-2 of our report dated September 26, 2000, relating to the financial statements of NBOG Bancorporation, Inc., Gainesville, Georgia, and to the reference to our Firm under the caption "Experts" in the Prospectus.
/S/ Francis & Co. CPA's
Francis & Co. CPA's
Atlanta, Georgia
October 3, 2000
1000 Johnson Ferry Rd. - Bldg. D, Suite 140 - Marietta, GA 30068
Tel: 770 / 579-0999 - Fax: 770 / 579-0494
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