EXHIBIT 23.1




                         CONSENT OF INDEPENDENT AUDITORS



     We consent to the  incorporation  by  reference in  Registration  Statement
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
January 30, 2003,  except for Note 11 as to which the date is March 5, 2003,  on
the  consolidated  financial  statements of CCBT Financial  Companies,  Inc. and
subsidiaries,  appearing  in the  Annual  Report on Form 10-K of CCBT  Financial
Companies, Inc. for the year ended December 31, 2002.


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

Boston, Massachusetts
March 21, 2003