<PAGE>
Exhibit 23.1
CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS
We hereby consent to the incorporation by reference in this Registration
Statement on Form S-8 of our report, dated February 4, 2000, included in the
Annual Report on Form 10KSB of Eufaula Bancorp, Inc. and subsidiaries for the
year ended December 31, 1999. We also consent to the reference to our Firm
under the caption "Experts" in the aforementioned Registration Statement.
/s/ Mauldin & Jenkins, LLC
------------------------------------
Mauldin & Jenkins, LLC
Albany, Georgia
January 2, 2001