Exhibit 23(c)







                      CONSENT OF INDEPENDENT ACCOUNTANTS




We hereby consent to the incorporation by reference in this Registration
Statement on Form S-4 of our report, dated February 4, 1998, appearing on page
15 of the annual report to shareholders of United Federal Savings Bank and
subsidiary for the year ended December 31, 1997, which is incorporated by
reference in the annual report on Form 10-K of the Company for the year ended
December 31, 1997. We also consent to the reference to our Firm under the
caption "Experts" in the aforementioned Registration Statement.

                                                     /s/ McGladrey & Pullen, LLP
                                                       
                                                     MCGLADREY & PULLEN, LLP


Raleigh, NC
August 12, 1998