Exhibit 23.2


CONSENT OF INDEPENDENT
CERTIFIED PUBLIC ACCOUNTANTS


Guaranty Financial Corporation
Charlottesville, VA

We hereby consent to the use in Post-Effective Amendment No. 1 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
November 15, 1999