Consent of Independent Public Accountants


     As independent public accountants, we hereby consent to the use of our
report on the consolidated financial statements of Regent Bancshares Corp. as
of December 31, 1994 and 1993, and for each of the three years in the period
ended December 31, 1994, and to all references to our firm included in or made
a part of this Registration Statement.



ARTHUR ANDERSEN
Philadelphia, PA
February 29, 1996