[FONTANELLA AND BABITTS LETTERHEAD]

INDEPENDENT ACCOUNTANTS' CONSENT
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The Board of Directors
Synergy Financial Group, Inc.
Cranford, New Jersey


         We consent  to the  incorporation  by  reference  in this  Registration
Statement  of Synergy  Financial  Group,  Inc.  on Form S-8 of our report  dated
January 31, 2002,  incorporated by reference in the Annual Report on Form 10-KSB
of Synergy Financial Group, Inc. for the year ended December 31, 2002.


                                               /s/Fontanella and Babitts
                                               ---------------------------------
                                               Fontanella and Babitts


May 27, 2003