EXHIBIT 23.2

The Board of Directors
CharterBank:

We consent to the use of our reports included herein and to the reference to our
firm under the heading "Experts" in the prospectus.

Our report dated December 1, 2000 except as to note 22, as to which the date is
March 22, 2001, contains an explanatory paragraph that states that the statement
of financial condition as of September 30, 2000, and the related statements of
income and comprehensive income, equity, and cash flows for the year ended
September 30, 2000 have been restated.


KPMG LLP

Atlanta, GA
May 17, 2001