[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

July 10, 2000