Exhibit 23.2


                       Consent of Independent Accountants

     We hereby  consent to the  incorporation  by reference in the  Registration
Statement on Form S-3  (No.333-26583,  declared  effective November 23, 1998) of
Intervest  Bancshares  Corporation  of our report  dated  January  23, 2003 with
respect to our audit of the  consolidated  financial  statements and schedule of
Intervest Mortgage Corporation  (formerly Intervest Corporation of New York) and
subsidiaries (a wholly owned subsidiary of Intervest Bancshares Corporation) for
the years ended December 31, 2002, 2001 and 2000. Such report is included in the
annual  report on Form 10-K of  Intervest  Bancshares  Corporation  for the year
ended December 31, 2002.

/s/ Eisner LLP
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Eisner LLP
New York, New York
March 3, 2003