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