Peoples Bancorp of North Carolina (PEBK) 10-K2005 FY Annual report

Filed: 24 Mar 06, 12:00am

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New words: absorb, achieve, aggressive, allocation, alternate, assigned, buy, challenging, characterized, cited, concentrated, convenience, cost, create, criteria, Davidson, decrease, disadvantage, diverse, diversification, Dr, earned, economy, entered, experience, expire, expired, extended, flow, fluctuate, fluctuation, future, geographic, geographically, greatly, higher, highly, history, hurt, immaterial, inability, inadequate, incorrect, increasingly, key, lack, listed, NASDAQ, percentage, personnel, prevailing, Production, prove, quarterly, rapid, recruit, reduce, reduced, regular, relevant, repay, repayment, satisfy, seasoned, senior, successfully, sudden, taxable, team, top, ultimate, undergoing, unexpected, unsuccessful, volatile, volatility, volume

Removed: faced, Fred, Murray, President, referred, western

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EXHIBIT (23)(b)

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We have issued our report dated March 4, 2006, accompanying the consolidated financial statements incorporated by reference in the Annual Report of Peoples Bancorp of North Carolina, Inc. on Form 10-K for the year ended December 31, 2005. We hereby consent to the incorporation by reference of said report in the Registration Statement of Peoples Bancorp of North Carolina, Inc. on Form S-8 (File No. 333-46860, effective September 28, 2000).

/s/ PORTER KEADLE MOORE, LLP

Atlanta, Georgia

March 24, 2006