Exhibit 23.2
CONSENT OF INDEPENDENT AUDITORS
Board of Directors
Bay Banks of Virginia, Inc.
We consent to the incorporation by reference in this Registration Statement on Form S-8 for the year ended December 31, 2002 of our report dated January 31, 2002, relating to the consolidated financial statements of Bay Banks of Virginia, Inc. as of December 31, 2001 and 2000, and for each of the years in the three-year period ended December 31, 2001.
WITT MARES EGGLESTON SMITH, PLC
Newport News, Virginia
February 19, 2004