EXHIBIT 23.2








                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


We hereby consent to the incorporation by reference in the Form S-8 Registration
Statement No.  333-08609 of Greene County  Bancshares,  Inc. of our report dated
January 18,  2001 on the  consolidated  financial  statements  of Greene  County
Bancshares, Inc. as of December 31, 2000 and for the year then ended as included
in the registrant's annual report on Form 10-K.




                                             /s/ Crowe, Chizek and Company LLP

Louisville, Kentucky
March 29, 2001