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            EXHIBIT 23.1    CONSENT OF ELLIOTT, DAVIS & COMPANY, L.L.P.



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                [LETTERHEAD OF ELLIOTT, DAVIS & COMPANY, L.L.P.]






               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


We consent to the  incorporation by reference in the  Registration  Statement on
Form S-8 pertaining to the 2001 Stock Option 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, filed with the Securities and Exchange Commission.


                                     /s/ Elliott, Davis & Company, L.L.P.


February 28, 2001
Greenville, South Carolina