CONSENT OF CERTIFIED PUBLIC ACCOUNTANTS
                        FOR INDEPENDENT BANCSHARES, INC.



         We hereby consent to the use of in this Registration  Statement on Form
S-4 of our report,  dated February 18, 2000,  except for Note 17 as to which the
date is March 3, 2000,  relating to the  consolidated  financial  statements  of
Independent  Bancshares,  Inc. and subsidiary,  and to the reference to our Firm
under the caption "Experts" in the Registration Statemenet.




                                       Mauldin & Jenkins LLP

Powder Springs, Georgia
June 8, 2000



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