EXHIBIT 23.3 




                    CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the use in this Proxy Statement and Amendment No. 1 to the
Registration Statement on Form S-4 of Newnan Holdings, Inc. of our report, 
dated February 9, 1996, relating to the consolidated financial statements of 
Southside Financial Group, Inc. and subsidiary, and to the reference to our 
Firm under the caption "Experts" in the Proxy Statement and Registration 
Statement.


                                                       MAULDIN & JENKINS, LLC 
                                                   /s/ MAULDIN & JENKINS, LLC 

Atlanta, Georgia
June 27, 1996