EXHIBIT 23(d) CONSENT OF THE CARSON MEDLIN COMPANY We hereby consent to the use in this Registration Statement on Form S-4 of our letter to the Board of Directors of Citi-Bancshares, Inc. included as Appendix B to the Proxy Statement/Prospectus that is part of the Registration Statement, and to the references to such letter and to our firm in such Proxy Statement/Prospectus. In giving such consent, we do not thereby admit that we come within the category of persons whose consent is required under Section 7 of the Securities Act of 1933 or the rules and regulations of the Securities and Exchange Commission thereunder. /s/The Carson Medlin Company THE CARSON MEDLIN COMPANY Tampa, Florida December 19, 1996