Exhibit 23.4

[McGladrey & Pullen LLP Letterhead]


                           CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby consent to the use in this Registration Statement on Form S-4 (No.
333-76401) of our report dated January 15, 1999, relating to the financial
statements of Valley Bank. We also consent to the reference to our Firm under
the caption "Experts" in the Prospectus.


/s/ McGladrey & Pullen LLP

Pasadena, California
June 1, 1999