EXHIBIT 23.2 Consent of Coopers & Lybrand L.L.P. [COOPERS & LYBRAND L.L.P. LETTERHEAD] CONSENT OF INDEPENDENT ACCOUNTANTS We consent to the incorporation by reference in this registration statement of Four Oaks Fincorp, Inc. on Form S-3 (File No. 333- ) of our report dated February 28, 1997 on our audit of the financial statements of Four Oaks Bank & Trust Company as of December 31, 1996 and for the year then ended, which report has been included in the Annual Report of Four Oaks Bank & Trust Company on Form F-2 which has been included as an exhibit to Form 8-K of Four Oaks Fincorp, Inc. filed on July 2, 1997 pursuant to the Securities Exchange Act of 1934. We also consent to the reference to our firm under the caption "Experts." /s/ Coopers & Lybrand L.L.P. Coopers & Lybrand L.L.P. Raleigh, North Carolina August 12, 1997