EXHIBIT 23.2

                       CONSENT OF PORTER KEADLE MOORE, LLP







                    [Letterhead of Porter Keadle Moore, LLP]



             CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


We have issued our report dated February 18, 2000, accompanying the consolidated
financial statements of CCF Holding Company and subsidiary appearing in the 1999
Annual Report of the Company to its  shareholders  included in the Annual Report
on Form 10-KSB for the year ended December 31, 1999,  which are  incorporated by
reference in this Registration  Statement on Form S-8 related to the CCF Holding
Company 2000 Stock Option Plan. We consent to the  incorporation by reference in
the Registration Statement on Form S-8 of the aforementioned report.




                                           /s/Porter Keadle Moore, LLP


Atlanta, Georgia
April 19, 2000