Exhibit 23.2




                          INDEPENDENT AUDITORS' CONSENT

         We consent to the incorporation by reference in this Post-Effective
Amendment No. 1 to Registration Statement No. 333-91196 on Form S-8, pertaining
to the Pacific State Bancorp 1987 and 1997 Stock Option Plans, of our report
dated February 20, 2003, with respect to the consolidated financial statements
of Pacific State Bancorp attached as an exhibit to Pacific State Bancorp's Form
10-K for the year ended December 31, 2002.

                                                 /s/ PERRY-SMITH LLP



Sacramento, California
May 14, 2003