CONSENT OF INDEPENDENT AUDITORS



  We hereby consent to the incorporation by reference in this Annual Report on
Form 10-K of Tri-County Financial Corporation for the year ended December 31,
1998 of our report dated February 26, 1999 relating to the consolidated
financial statements of Tri-County Financial Corporation.



                                            /s/ Stegman & Company



Baltimore, Maryland
March 26, 1999