EXHIBIT 23.1


                               CONSENT OF COUNSEL




         We consent to the use of our opinion, to the incorporation by reference
of such opinion as an exhibit to the Form SB-2 and to the  reference to our firm
under the headings  "Community  Bank's Conversion - Effects of the Conversion --
Tax Effects of the  Conversion",  and "Legal and Tax Opinions" in the Prospectus
and proxy  statement  included in this Form SB-2. In giving this consent,  we do
not admit that we are within the category of persons  whose  consent is required
under  Section 7 of the  Securities  Act of 1933,  as amended,  or the rules and
regulations of the Securities and Exchange Commission thereunder.





                                      SILVER, FREEDMAN & TAFF, L.L.P.



Washington, D.C.
March 22, 2000







                                                                    EXHIBIT 23.2

                [LETTERHEAD OF PADGETT, STRATEMANN & CO., L.L.P.]


                         INDEPENDENT AUDITORS' CONSENT




Community Bank of Central Texas, ssb
Smithville, Texas


We  consent  to the use in this  Registration  Statement  on Form  SB-2 for CBCT
Bancshares,  Inc., of our report of Community Bank of Central Texas,  ssb, dated
January  13,  2000,  appearing  in  the  Prospectus,  which  is a part  of  this
Registration  Statement,  and  to the  reference  to us  under  the  heading  of
"Experts" in such Prospectus.


/s/ Padgett, Stratemann & Co.

San Antonio, Texas
March 14, 2000




                                                                    EXHIBIT 23.3

                    [SEIDEL SCHROEDER & COMPANY LETTERHEAD]


                         INDEPENDENT AUDITORS' CONSENT




Community Bank of Central Texas, ssb
Smithville, Texas


We  consent  to the use in this  Registration  Statement  on Form  SB-2 for CBCT
Bancshares,  Inc., of our report of Community Bank of Central Texas,  ssb, dated
February 19, 1999,  appearing  in  the  Prospectus,  which  is a part  of  this
Registration  Statement,  and  to the  reference  to us  under  the  heading  of
"Experts" in such Prospectus.



                                             /s/ Seidel, Schroeder & Company


Brenham, Texas
March 15, 2000





                                                                    EXHIBIT 23.4


                       [LETTERHEAD OF FERGUSON & COMPANY]



                                 March 21, 2000




Board of Directors
Community Bank of Central Texas, ssb
312 Main Street
Smithville, Texas 78957

Directors:

         We hereby consent to the use of our firm's name in the  Application for
Conversion  of  Community  Bank of Central  Texas,  Smithville,  Texas,  and any
amendments thereto, in the Form SB-2 Registration  Statement of CBCT Bancshares,
Inc. and any amendments thereto, and in the Application for a Financial Services
Holding Company that is filed with the Federal  Reserve.  We also hereby consent
to the inclusion of, summary of, and references to our Appraisal  Report and our
opinion concerning  subscription rights in such filings including the Prospectus
of CBCT Bancshares, Inc.

                                              Sincerely,

                                              /s/ Charles M. Hebert

                                              Charles M. Hebert
                                              Principal