EXHIBIT 23.1



                        CONSENT OF INDEPENDENT AUDITORS



We consent to the  incorporation by reference in Registration  Stateinent Number
333-72565  (dated  February  18,  1999 on Form S-8) and  Registration  Statement
Number 333-65222 (dated July, 17, 2001 on Form S-8) of our report dated February
1, 2002 on the consolidated  financial  statements of CCBT Financial  Companies,
Inc.  and  subsidiaries,  appearing  in the  Annual  Report on Form 1O-K of CCBT
Financial Companies, Inc. for the year ended December 31, 2001.


/s/ Wolf & Company, P.C.
------------------------


Boston, Massachusetts
March 21, 2002