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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 Amendment of the
Registration Statement originally filed August 16, 1995 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
   
October 12, 1995