Exhibit 23.2
                                                                    ------------




                       CONSENT OF INDEPENDENT ACCOUNTANTS



     We consent to the incorporation by reference in this Registration Statement
of our report, dated February 2, 2000, on the consolidated financial statements
of Atlantic Financial Corp. as of December 31, 1999 and 1998, and for each of
the two years in the period ended December 31, 1999. We did not audit the
combined financial statements of The Bank of Franklin and The Bank of Sussex and
Surry which statements reflect total assets and revenue constituting 45.4% and
42.9%, respectively in 1998, and 46.1% of revenue in 1997, of the related
consolidated totals. Those statements were audited by other auditors whose
report has been furnished to us, and our opinion, insofar as it relates to the
amounts included for the combined financial statements of The Bank of Franklin
and The Bank of Sussex and Surry is based solely on the report of the other
auditors. In addition, the financial statements of Mid-Atlantic Community
BankGroup, Inc. for the year ended December 31, 1997 were audited by other
auditors, whose report of other auditors dated January 16, 1998, expressed an
unqualified opinion on those statements. We also consent to the reference made
to us under the caption "Experts" in the Proxy Statement/Prospectus constituting
a part of this Registration Statement.



                                                YOUNT, HYDE & BARBOUR, P.C.


Winchester, Virginia
October 5, 2000