EXHIBIT 23.2





The Board of Directors
Palmetto Bancshares, Inc.

     We consent to the use of our report dated February 9, 2001, with respect to
the  consolidated  statements  of  income, changes in  shareholders'  equity and
comprehensive income, and cash flows of Palmetto Bancshares, Inc. and subsidiary
for the year ended December 31, 2000.


                                           /s/ KPMG LLP


KPMG LLP
Greenville, SC
August 20, 2003