[GRANT THORNTON LLP LETTERHEAD]

               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS






We have issued our report dated February 15, 2003  accompanying the consolidated
financial  statements  of Synergy  Financial  Group,  Inc.  included in the 2002
Annual Report of Synergy  Financial  Group,  Inc. to its  shareholders  which is
included  in the Annual  Report on Form 10-KSB for the year ended  December  31,
2002 which are  incorporated  by reference in this  Registration  Statement.  We
consent to the  incorporation by reference in the Registration  Statement of the
aforementioned report.







                                                     /s/Grant Thornton LLP
                                                     ---------------------------
May 27, 2003                                         Grant Thornton LLP

Philadelphia, Pennsylvania