EXHIBIT 23 CONSENT OF INDENPENDENT AUDITORS TO INCORPORATION BY REFERENCE The Board of Directors SUMMIT BANCSHARES, INC. We consent to incorporation by reference in the registration statement on Form S-8 of SUMMIT BANCSHARES, INC. (File #33-68974) of our report dated January 22, 1996, relating to the consolidated balance sheets of SUMMIT BANCSHARES, INC. and subsidiaries as of December 31, 1995 and 1994 and the related consolidated statements of operations, shareholders' equity, and cash flows and related schedules for each of the years in the three-year period ended December 31, 1995, which report appears in the December 31, 1995 annual report on Form 10-K of SUMMIT BANCSHARES, INC. /s/ Stovall, Grandey & Whatley - ---------------------------------- STOVALL, GRANDEY & WHATLEY Fort Worth, Texas March 26, 1996