EXHIBIT 23.2



                                                                    Exhibit 23.2


                        CONSENT OF INDEPENDENT AUDITORS

We have issued our report dated January 30, 2002 accompanying the financial
statements of Citizens South Banking Corporation (formerly Gaston Federal
Bancorp, Inc.) and subsidiaries and our report dated July 25, 2002 accompanying
the financial statements of Innes Street Financial Corporation and subsidiary
dated July 25, 2002 as contained in the Pre-Effective Amendment No. 1 to
Registration Statement on Form S-1 (333-91498) and the Form AC of Citizens South
Banking Corporation and subsidiaries. We consent to the use of the
aforementioned reports in the Registration Statement and Prospectus and to the
use of our name as it appears under the caption "Experts" in this Prospectus.

/s/ Cherry, Bekaert & Holland, L.L.P.
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/s/ Cherry, Bekaert & Holland, L.L.P.

Gastonia, North Carolina
August 5, 2002