CONSENT OF INDEPENDENT AUDITORS We hereby consent to the incorporation by reference in this Registration Statement on Form S-8 of our report dated January 15, 1999 with respect to the consolidated financial statements of Ipswich Savings Bank included in its Form 10-K for the year ended December 31, 1998. /s/ Baker Newman & Noyes - ------------------------ Baker Newman & Noyes BAKER NEWMAN & NOYES Portland, Maine July 19, 1999