Exhibit 23




                       CONSENT OF INDEPENDENT REGISTERED
                             PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in the Registration Statement No.
333-111037 on Form S-8 of Civitas BankGroup, Inc. of our report dated June 28,
2005 appearing in this Annual Report on Form 11-K of Civitas BankGroup, Inc. for
the year ended December 31, 2004.



                                             /s/ Crowe Chizek and Company LLC


Brentwood, Tennessee
June 29, 2005