EXHIBIT 23.2
                          



         [ROWLES & COMPANY, LLP LETTERHEAD]



Board of Directors
Glen Burnie Bancorp


  We hereby consent to the incorporation by reference of our
report on the consolidated financial statements of Glen Burnie
Bancorp as of December 31, 1995 and for the year then ended in
Post-Effective Amendment No. 1 to the Company's Registration
Statement for its Dividend Reinvestment Plan and Stock Purchase
Plan on Form S-3 (File no. 333-37033).


                                  /s/ Rowles & Company, LLP


Baltimore, Maryland
November 4, 1998