Exhibit 23.2


                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS




 We consent to the incorporation by reference in the  Registration Statements
 of CCBT Financial Companies, Inc, on Form S-8 (File No, 333-72565, effective
 February 18, 1999) and on Form S-8 (File No. 333-65222, effective July 17,
 2001) of our report dated February 9, 2001, with respect to the 2000 and 1999
 consolidated financial statements included in the Annual Report (Form 10-K) of
 CCBT Financial Companies, Inc. for the year ended December 31,2001.



/s/ Grant Thornton LLP
- ----------------------


Boston, Massachusetts
March 21, 2002