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                                                                    EXHIBIT 23.3
 
                            MCGLADREY & PULLEN, LLP
                            ------------------------
 
                  CERTIFIED PUBLIC ACCOUNTANTS AND CONSULTANTS
 
                       CONSENT OF INDEPENDENT ACCOUNTANTS
 
     We hereby consent to the incorporation by reference in the Registration
Statement on Form S-4 of our report dated August 13, 1993 which appears in the
annual report of Form 10-K of Charter Federal Savings Bank and subsidiaries and
to the reference of our firm under the caption "Experts" for the year ended June
30, 1993.
 
MCGLADREY & PULLEN, LLP
 
/S/ MCGLADREY & PULLEN, LLP
 
Charlotte, North Carolina
August 11, 1995