Exhibit 23.2

                         CONSENT OF INDEPENDENT AUDITORS

Board of Directors
Bay Banks of Virginia, Inc.

We consent to the incorporation by reference in this Annual Report on Form 10-K
for the year ended December 31, 2002 of our report dated January 31, 2002,
relating to the consolidated financial statements of Bay Banks of Virginia, Inc.
as of December 31, 2001 and 2000, and for each of the years in the three-year
period ended December 31, 2001.

        EGGLESTON SMITH P.C.

Newport News, Virginia
March 27, 2003