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<PAGE> 1 EXHIBIT 99(b) CONSENT OF FINANCIAL ADVISORS We consent to the inclusion of our Fairness Opinion issued to Citizens Southern Bank, Inc. in this registration statement on Form S-4. We also consent to the reference to our firm under the caption "The Opinion of Financial Advisors to Citizens Southern Bank, Inc." /s/ Baxter Fentriss and Company Richmond, Virginia September 8, 2000
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