EXHIBIT 23.2



              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



  We hereby consent to the use of our report dated January 23, 2001 (except for
Note 17, as to which the date is February 23, 2001) relating to the consolidated
financial statements of ABC Bancorp included in the Registration Statement on
Form S-4 and to the reference of our Firm under the caption "Experts" in the
Prospectus/Proxy Statement.


                                              /s/ Mauldin & Jenkins

                                              MAULDIN & JENKINS


Albany, Georgia
May 1, 2001