Exhibit 23.1


CONSENT OF INDEPENDENT
CERTIFIED PUBLIC ACCOUNTANTS



Guaranty Financial Corporation
Charlottesville, VA

We  hereby  consent  to the use in the  Prospectus  constituting  a part of this
Registration  Statement  of our report dated  January 30, 1998,  relating to the
consolidated  financial statements of Guaranty Financial  Corporation,  which is
contained in that Prospectus.

We also consent to the  reference to us under the caption  "Accountants"  in the
Prospectus.



                                              /s/ BDO Seidman, LLP

                                              BDO SEIDMAN, LLP


Richmond, Virginia
April 2, 1998