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EXHIBIT 23
[ELLIOTT, DAVIS & COMPANY, L.L.P. APPEARS HERE]
CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
We consent to the incorporation by reference in the Registration Statement on
Form S-8 (No. 333-3628) pertaining to the 1987 Stock Option Plan and the 1995
Stock Option Plan of Union Financial Bancshares, Inc. and in the Registration on
Form S-3 (No. 333-35319) pertaining to the Dividend Reinvestment Plan of Union
Financial Bancshares, Inc. of our report dated November 10, 2000, with respect
to the consolidated financial statements of Union Financial Bancshares, Inc. and
subsidiary incorporated by reference in the Annual Report on Form 10-KSB for the
year ended September 30, 2000.
/s/ Elliott, Davis & Company, L.L.P.
December 26, 2000
Greenville, South Carolina
