CONSENT OF INDEPENDENT ACCOUNTANTS




     We hereby  consent to the  incorporation  by reference in the  Registration
Statement on Form S-8 (No. 33-24340) of FMS Financial  Corporation of our report
dated February 13, 2003 relating to the financial  statements,  which appears in
the Annual Report to  Shareholders,  which is incorporated in this Annual Report
on Form 10-K.







/s/Pricewaterhouse Coopers LLP
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PricewaterhouseCoopers LLP
Philadelphia, PA



March 24, 2003