EXHIBIT 23.1







            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



We consent to the incorporation by reference in the Registration Statements
(Nos. 333-93933, 333-105424, 333-105425, and 333-111037) of Civitas BankGroup,
Inc. on Form S-8 and the Registration Statement (No. 333-107352) of Civitas
BankGroup, Inc. on Form S-3 of our reports dated March 14, 2006, with respect to
the consolidated financial statements, management's assessment of the
effectiveness of internal control over financial reporting, and the
effectiveness of internal control over financial reporting, included in the
Annual Report on Form 10-K of Civitas BankGroup, Inc. for the year ended
December 31, 2005.



                                         /s/ Crowe Chizek and Company LLC

Brentwood, Tennessee
March 16, 2006