EXHIBIT 23.1 {LETTERHEAD OF SILVER, FREEDMAN & TAFF, L.L.P.] 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. June 15, 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 June 15, 2000 EXHIBIT 23.3 [SEIDEL SCHROEDER & COMPANY LETTERHEAD] INDEPENDENT AUDITORS' CONSENT June 12, 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