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 23, 2001, relating to the consolidated balance sheets of SUMMIT
     BANCSHARES, INC. and subsidiaries as of December 31, 2000 and 1999 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, 2000, which report appears in the December 31,
     2000 annual report on Form 10-K of SUMMIT BANCSHARES, INC.



     /s/ Stovall, Grandey & Whatley L.L.P.

     STOVALL, GRANDEY & WHATLEY L.L.P.


     Fort Worth, Texas
     March 26, 2000