EXHIBIT 23.3

                    CONSENT OF KPMG PEAT MARWICK, L.L.P.




                    [KPMG PEAT MARWICK LLP LETTERHEAD]


CONSENT OF INDEPENDENT AUDITORS



To the Stockholders and Board of Directors
Progress Financial Corporation:



We consent to the use of our report dated January 22, 1993 except for matters
referred to below, which are as of February 16, 1993, on the consolidated
financial statements of Progress Financial Corporation, incorporated herein by
reference.

Our report contains an explanatory paragraph that states that i) at
December 31, 1992, Progress Federal Savings Bank (the Bank), the principal
wholly-owned subsidiary of the Company, failed to meet the minimum capital
thresholds under the Federal Deposit Insurance Corporation Improvement Act of
1991("FDICIA") to be considered "adequately capitalized" and is categorized as
"significantly undercapitalized," ii) the Bank filed a capital plan for
attaining the required levels of regulatory capital and that plan has been
accepted by the OTS, but that on February 16, 1993 the Bank submitted an
amendment to its plan and the Bank had not received notification as to
acceptance or rejection of its amended capital plan, iii) because the Bank
does not meet the minimum capital thresholds to be considered "adequately
capitalized" it is subject to certain operating restrictions such as growth
limitations, prohibition on dividend payments, increased supervisory
monitoring by its primary regulator,limitations on executive compensation, and
restriction on deposit interest rates, iv) failure to increase its capital
ratios in accordance with its capital plan or further declines in its capital
ratios exposes the Bank to additional restrictions and regulatory actions,
including regulatory take-over, v) there is substantial doubt about the
Company's ability to continue as a going concern, and vi) the ability of the
Company to continue as a going concern is dependent upon many factors including
regulatory action and the ability of management to achieve its plan.

                                        /s/ KPMG Peat Marwick L.L.P.

Philadelphia, Pennsylvania
April 20, 1995