1
                                                                  Exhibit 23 (a)

                          Independent Auditors' Report

We consent to the incorporation by reference in this Amendment No. 1 to
Registration Statement of CBT Corporation on Form S-4 of our report dated
January 28, 1994, included in the Annual Report on Form 10-K of CBT Corporation
for the year ended December 31, 1993 and to the reference to us made under the
heading "Experts" in the Prospectus, which is part of this Registration
Statement.



/s/ Deloitte & Touche

Louisville, Kentucky
   
April 29, 1994