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                                  EXHIBIT 23.2

                          CONSENT OF ELLIOTT DAVIS, LLC


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            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



We consent to the  incorporation by reference in the  Registration  Statement on
Form S-3 (No. 333-35319)  pertaining to the Dividend  Reinvestment Plan of Union
Financial  Bancshares,  Inc., of our report dated October 17, 2003, 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, 2003.


                                                /s/ Elliott Davis, LLC



September 1, 2004
Greenville, South Carolina