QuickLinks -- Click here to rapidly navigate through this document

Exhibit 23.2

Independent Auditor's Consent

        We hereby consent to the use in this Registration Statement, on Form S-4, of our report dated January 9, 2004 on the consolidated balance sheets of United Security Bancshares and Subsidiaries as of December 31, 2003 and 2002, and the related consolidated statements of income and comprehensive income, shareholders' equity and cash flows for each of the years in the three year period ended December 31, 2003, which appears in this Registration Statement. We further consent to the reference to our firm under the heading "Experts" in this Registration Statement.

/s/ Moss Adams LLP

Stockton, California
March 10, 2004

QuickLinks

Independent Auditor's Consent