EXHIBIT 23.2

                        CONSENT OF CRISP HUGHES EVANS LLP





                     [LETTERHEAD OF CRISP HUGHES EVANS LLP]

                         CONSENT OF INDEPENDENT AUDITORS



We consent to incorporation  by reference in the Registration  Statement on Form
S-8, of our report dated January 22, 1999, relating to the consolidated  balance
sheets of SFB Bancorp,  Inc. and subsidiary as of December 31, 1998 and 1997 and
the  related   consolidated   statements   of  income,   comprehensive   income,
stockholders'  equity, and cash flows for the years ending December 31, 1998 and
1997, which report appears in the December 31, 1998 annual report on Form 10-KSB
of SFB Bancorp, Inc.





                                               /s/    Crisp Hughes Evans LLP
                                               CRISP HUGHES EVANS LLP
Asheville, North Carolina
April 13, 1999