Exhibit 24.3     

 
                                 LETTERHEAD OF
                                 -------------
              BROOKS, PIERCE, McLENDON, HUMPHREY & LEONARD, L.L.P.
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                               September 6, 1996      
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Board of Directors
Carolina Fincorp, Inc.
P.O. Box 1597
Rockingham, North Carolina 28379-1597

Gentlemen:

     We hereby consent to reference to our firm in the "Legal Opinions" section
of the Prospectus included in the Registration Statement of Carolina Fincorp,
Inc. on Form S-1 (the "Registration Statement") and to the reference to the
opinions rendered by our firm which are described in such section of the
Registration Statement.

                                        Very truly yours,

                                        BROOKS, PIERCE, MCLENDON,
                                        HUMPHREY & LEONARD, L.L.P.

    
                                        By:  /s/ Randall A. Underwood      
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                                             Randall A. Underwood
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RAU/mfm      
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