CONSENT OF INDEPENDENT ACCOUNTANTS

        We hereby consent to the use of our report, dated February 12, 1999, 
relating to the consolidated financial statements of Douglas Federal Bank, FSB 
and subsidiary for the two years ended December 31, 1998, included in this
Amendment No. 1 to the Registration Statement on Form SB-2. We also consent to
the reference to our Firm under the caption "Experts" in the Prospectus.

                                          /s/ Mauldin & Jenkins, LLC

Atlanta, Georgia
April 29, 1999