Exhibit 23.2



INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Registration Statement of
Cornerstone Bancorp, Inc. on Form S-8 of our report dated February 9, 1998,
appearing in the Annual Report on Form 10-KSB for the year ended December 31,
1997 of Cornerstone Bank, predecessor to Cornerstone Bancorp, Inc.

/s/ DELOITTE & TOUCHE LLP


Stamford, Connecticut
March 1, 1999