Exhibit 23.2


CONSENT OF INDEPENDENT
CERTIFIED PUBLIC ACCOUNTANTS


Guaranty Financial Corporation
Charlottesville, VA

We hereby  consent to the use in Amendment I of the  Prospectus  constituting  a
part of this  Registration  Statement  of our report  dated  January  29,  1999,
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  "Experts"  in the
Prospectus.

                                              /s/ BDO Seidman, LLP

                                              BDO Seidman, LLP



Richmond, Virginia
October 21, 1999