Exhibit 23.1
CONSENT OF INDEPENDENT ACCOUNTANTS
The Board of Directors
Bay Banks of Virginia, Inc.
We consent to the incorporation by reference in this Registration Statement on Form S-8 of Bay Banks of Virginia, Inc. of our report dated February 12, 2003, relating to the financial statements of Bay Banks of Virginia, Inc. and subsidiaries (the “Company”) as of December 31, 2002 and for the year ended December 31, 2002, which report appears in the Company’s Annual Report on Form 10-K for the year ended December 31, 2002.
/s/ Yount, Hyde & Barbour, P.C.
Winchester, Virginia
February 19, 2004
