CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

We have issued our report dated January 31, 2000,  accompanying the consolidated
financial  statements included in the Annual Report of CCBT Financial Companies,
Inc. on Form 10-K for the year ended December 31, 1999. We hereby consent to the
incorporation  by  reference  of  said  report  in  the  Registration  Statement
pertaining to the CCBT Bancorp,  Inc. Stock Option Plan, as amended, on Form S-8
filed with the Securities and Exchange Commission on February 18, 1999.


/s/Grant Thornton LLP
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Grant Thornton LLP

Boston, Massachusetts
March 17, 2000