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  part  of  this
Registration  Statement,  and  to the  reference  to us  under  the  heading  of
"Experts" in such Prospectus.



/signed/
Padgett, Stratemann & Co., L.L.P.

San Antonio, Texas
May 4, 2000






                                                                    Exhibit 23.4


                       [LETTERHEAD OF FERGUSON & COMPANY]


                                   May 5, 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







                                                                    Exhibit 23.5


                    [SEIDEL SCHROEDER & COMPANY LETTERHEAD]




May 4, 2000


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.   20549

     Re:       CBCT Bancshares, Inc. (the "Registrant")
               File No. 333-33102

Dear Sir or Madam:

         This will confirm that we have reviewed the statements made by the
Registrant in the above-referenced filing regarding the termination of our
relationship with the Registrant, and we agree with these statements.


                                             Sincerely,

                                             /s/ Seidel, Schroeder & Company

                                             Seidel, Schroeder & Company