EXHIBIT 23.2


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the incorporation by reference in Registration Statement Numbers
333-93933, 333-111037, 333-105425, and 333-105424 on Form S-8 and Registration
Statement Number 333-107352 on Form S-3 of Civitas BankGroup, Inc. of our report
dated April 26, 2005 with respect to Civitas BankGroup, Inc. management's
assessment of the effectiveness of internal control over financial reporting and
the effectiveness of internal control over financial reporting, which report
appears in this Amended Annual Report on Form 10-K of Civitas BankGroup, Inc.
for the year ended December 31, 2004.


                                     /s/ Crowe Chizek and Company LLC

Brentwood, Tennessee
April 29, 2005