Exhibit 23.1

                        CONSENT OF INDEPENDENT AUDITORS

     We hereby consent to the use of our report dated February 7, 1996, on the
audit of the consolidated financial statements described therein of Annapolis
Bancshares, Inc. in the Current Report on Form 8-K filed by Sandy Spring
Bancorp, Inc. with the Securities and Exchange Commission in connection with the
consummation of the acquisition by Sandy Spring Bancorp, Inc. of Annapolis
Bancshares, Inc.

ROWLES & COMPANY, LLP

/s/ Rowles & Company, LLP

Baltimore, Maryland
September 12, 1996