Exhibit 23

CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

We hereby consent to the incorporation of our report, dated July 21, 2003, with respect to Mooresville Savings Bank, SSB Employees Savings and Profit Sharing Plan, included in this Form 11-K, into Coddle Creek Financial Corp.’s previously filed Registration Statement on Form S-8 (No. 333-25497).

/s/    MCGLADREY & PULLEN, LLP        

Charlotte, North Carolina

August 14, 2003