Consent of Independent Accountants



     We hereby  consent to the  incorporation  by reference in the  Registration
Statement on Form S-8 (No. 33-93978) of CENIT Bancorp,  Inc. of our report dated
January 30, 1997 appearing on page 51 of the Annual Report to Shareholders which
is incorporated in this Annual Report on Form 10-K.


Price Waterhouse LLP

Norfolk, Virginia
March 25, 1997