CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
            --------------------------------------------------------


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 March 24, 2006 relating to the financial statements,  which appears in the
Annual Report to  Shareholders,  which is  incorporated in this Annual Report on
Form 10-K. We also consent to the incorporation by reference of our report dated
March 24, 2006 which appears in this Form 10-K.


/s/PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP

New York, NY
March 28, 2006