CONSENT OF INDEPENDENT ACCOUNTANTS


We  hereby  consent  to the  incorporation  by  reference  in this  Registration
Statement  on Form S-8 and Form S-3 of (i) our report  dated  February  29, 2000
which  appears  on page  F-1 of the  Annual  Report  on  Form  10-KSB  of  First
Litchfield Financial  Corporation and Subsidiary for the year ended December 31,
1999, and (ii) our report dated  February 5, 1999,  except with regard to Note 6
as to which the date is  November  24,  1999,  which  appears on page F-1 of the
Registration  Statement on Form 10-SB of First Litchfield Financial  Corporation
and Subsidiary filed on January 7, 2000. We also consent to the reference to our
Firm under the caption  "Experts" in the Registration Statement  on Form S-8 and
Form S-3.



                                    /s/ McGladrey & Pullen LLP
                                    ---------------------------
                                    MCGLADREY & PULLEN LLP

New Haven, Connecticut
May 3, 2000