EXHIBIT 23.2 CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS We hereby consent to the incorporation of our report dated May 17, 1999, relating to the financial statements of Cornerstone Bancorp in Amendment No. 1 to the Registration Statement on Form SB-2 (file no. 333-79543), and Prospectus, and to the reference to our firm therein under the caption "ACCOUNTING MATTERS." Elliott, Davis & Company, LLP Greenville, South Carolina July 9, 1999