Exhibit 23.2



                      CONSENT OF INDEPENDENT ACCOUNTANTS



      We  consent  to  the  incorporation  by  reference  in  this  Registration
Statement of our report, dated January 7, 1998, on the financial statements of
Security Bank  Corporation as of December 31, 1997 and 1996, and for each of the
two years in the period ended December 31, 1997, which report is incorporated by
reference  in the Annual  Report on Form 10-KSB for the year ended  December 31,
1997 of Security Bank  Corporation.  We also consent to the reference made to us
under the caption  "Experts" in the Proxy  Statement/Prospectus  constituting  a
part of this Registration Statement.




                                    YOUNT, HYDE & BARBOUR, P.C.


Winchester, Virginia
January 6, 1999