EXHIBIT 23.3

                       CONSENT OF INDEPENDENT ACCOUNTANTS


    We hereby consent to the use in this Registration Statement on Form S-4
(Registration No. 333-47242) of our report dated January 28, 2000, except for
Note 8 as to which the date was February 1, 2000 and Note 11, as to which the
date was March 22, 2000, on the consolidated balance sheet of Professional
Bancorp, Inc. and Subsidiary as of December 31, 1999, and the related
consolidated statements of operations, stockholders equity and cash flows for
the year then ended, which appears in item 13 in this Registration Statement. We
also consent to the reference to our Firm under the heading "Experts" in the
Registration Statement.


/s/ MOSS ADAMS LLP


Los Angeles, California
November 6, 2000