EXHIBIT 23

                        CONSENT OF INDEPENDENT AUDITORS
                         TO INCORPORATION BY REFERENCE


The Board of Directors
SUMMIT BANCSHARES, INC.


We consent to incorporation by reference in the registration statement on Form
S-8 of SUMMIT BANCSHARES, INC. (File #33-68974) of our report dated January 20,
2000, relating to the consolidated balance sheets of SUMMIT BANCSHARES, INC. and
subsidiaries as of December 31, 1999 and 1998 and the related consolidated
statements of operations, shareholders' equity, and cash flows and related
schedules for each of the years in the three-year period ended December 31,
1999, which report appears in the December 31, 1999 annual report on Form 10-K
of SUMMIT BANCSHARES, INC.



/s/ Stovall, Grandey & Whatley

STOVALL, GRANDEY & WHATLEY


Fort Worth, Texas
March 17, 2000