EXHIBIT 23(c) PURVIS, GRAY & COMPANY CERTIFIED PUBLIC ACCOUNTANTS CONSENT OF INDEPENDENT AUDITORS We consent to the use of our reports dated February 1, 1996, except for note 2 as to which the date is April 19, 1996, relating to the supplemental consolidated financial statements of Citi-Bancshares, Inc. included in the Registration Statement on Form S-4. We also consent to the reference to us under the heading "Experts" in the Proxy Statement/Prospectus constituting part of such Registration Statement on Form S-4. /s/ Purvis, Gray & Company December 20, 1996 Gainesville, Florida