EXHIBIT 23(e)



               CONSENT OF ALEX. BROWN & SONS INCORPORATED



      We  consent to  the inclusion  in  this Registration  Statement on
Form S-4  of our opinion, dated July 1, 1994, set forth as Appendix B to
the Proxy Statement-Prospectus and to the summarization thereof in the
Proxy Statement-Prospectus under the captions "SUMMARY - Opinion  of
Bancorp's Financial  Advisor"  and "BACKGROUND  AND RECOMMENDATION  OF
THE BANCORP BOARD  OF DIRECTORS  - Opinion of  Bancorp's Financial
Advisor".   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.



                                    ALEX. BROWN & SONS INCORPORATED



                                    By: /s/ HOWARD J. LOEWENBERG


Baltimore, Maryland

Date:  October 11, 1994