Exhibit 24.2


                         CONSENT OF INDEPENDENT AUDITORS



         We consent to the reference to our firm under the caption  "Experts" in
Post-Effective  Amendment  No.  4  on  Form  S-2  (No.  333-64177)  and  to  the
incorporation  by reference  therein of our report  dated  January 18, 2001 with
respect  to  the  consolidated  financial  statements  of  Intervest  Bancshares
Corporation  included  in its  Annual  Report  on Form  10-K for the year  ended
December 31, 2000.



                                            HACKER, JOHNSON & SMITH PA
                                            Tampa, Florida
                                            December 27, 2001