NATIONAL BANCSHARES CORP OF TEXAS, S-8, EX-23.1, 2000-10-16

NATIONAL BANCSHARES CORP OF TEXAS
S-8, EX-23.1, 2000-10-16
NATIONAL COMMERCIAL BANKS

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                                                                   Exhibit 23.1


                         INDEPENDENT AUDITORS' CONSENT



      We consent to incorporation by reference in the registration statement
on Form S-8 of National Bancshares Corporation of Texas and subsidiaries of
our report dated March 20, 2000, relating to the consolidated balance sheet
of National Bancshares Corporation of Texas and subsidiaries as of December
31, 1999, and the related consolidated statements of income, changes in
stockholders' equity, and cash flows for the year then ended, which report
appears in the December 31, 1999 annual report on Form 10-K of National
Bancshares Corporation of Texas and subsidiaries


                                        /s/ KPMG, L.L.P.
                                        -------------------------------------
                                        KPMG, L.L.P.




San Antonio, Texas
October 12, 2000.












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