EXHIBIT 23(b)



                              CONSENT OF INDEPENDENT AUDITORS


      We  consent to the incorporation by reference  in the Registration
Statement on Form S-4  of our report  dated February 11,  1994, with
respect to the  consolidated financial statements of Farmers National
Bancorp  incorporated by reference in its Annual  Report on Form 10-K
for the year  ended December 31, 1993,  filed with the  Securities and
Exchange Commission.



                                                      STEGMAN & COMPANY

Towson, Maryland

October 6, 1994