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