EXHIBIT 23.1


              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

We have issued our report dated June 4, 1999, accompanying the consolidated
financial statements of CB&T Holding Corporation contained in the Registration
Statement and Prospectus. We consent to the use of the aforementioned report in
the Registration Statement and Prospectus, and to the use of our name as it
appears under the caption "Experts."



/s/ GRANT THORNTON LLP

Dallas, Texas
September 2, 1999