Exhibit 24.2

INDEPENDENT AUDITORS' CONSENT

We  consent  to  the  reference  to  our  firm  under  the  caption "Experts" in
Post-Effective  Amendment  No.  5  on  Form  S-2  (No.  333-64177)  and  to  the
incorporation  by  reference  therein  of our report dated January 24, 2003 with
respect  to  the  consolidated  financial  statements  of  Intervest  Bancshares
Corporation  included  in  its  Annual  Report  on  Form 10-K for the year ended
December  31,  2002.



HACKER, JOHNSON & SMITH P.A., P.C.
Tampa, Florida
May 21, 2003