Exhibit 24.3


INDEPENDENT AUDITORS' CONSENT

We  consent  to  the  reference  to  our  firm  under  the  caption "Experts" in
Post-Effective  Amendment  No.  5  on  Form  S-2  (No.  333-64177)  and  to  the
incorporation  by  reference  therein  of our report dated January 23, 2003 with
respect  to  the  consolidated  financial  statements  of  Intervest  Mortgage
Corporation  (not presented separately herein or therein) included in the Annual
Report  on  Form  10-K  of  Intervest  Bancshares Corporation for the year ended
December  31,  2002.


EISNER LLP

New York, New York
May 19, 2003