Exhibit 23.2


                  [MITCHELL, WIGGINS & COMPANY LLP LETTERHEAD]







                         CONSENT OF INDEPENDENT AUDITORS


We  consent  to  the  incorporation  by  reference  in  Amendment  No.  1 to the
Registration   Statement  on  Form  S-8  pertaining  to  the  Central   Virginia
Bankshares, Inc., 1998 Incentive Plan of our report dated January 20, 2000, with
respect to the consolidated financial statements of Central Virginia Bankshares,
Inc.,  included in the Annual Report on Form 10-KSB for the year ended  December
31, 1999, filed with the Securities and Exchange Commission.


/s/ Mitchell, Wiggins & Company LLP


Richmond, Virginia
October 20, 2000