EXHIBIT 23.2

                         CONSENT OF INDEPENDENT AUDITORS







         We hereby consent to the incorporation by reference in the Registration
Statement on Form S-3 of our report, dated April 25, 1997, relating to the
consolidated financial statements of First Citizens Corporation and
subsidiaries, contained in the annual report on Form 10-KSB for the year ended
March 31, 1997, and to the reference to our Firm under the caption "Experts" in
the Prospectus.



                             MAULDIN & JENKINS, LLC


                           /s/ Mauldin & Jenkins, LLC



Atlanta, Georgia
September 5, 1997