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                   [letterhead of Fister & Associates, Inc.]



May 10, 2000



                           CONSENT OF FINANCIAL ADVISER


We hereby consent to the use of our opinion included as Annex B to the
Joint Proxy Statement/Prospectus included in the Registration Statement on
Form S-4 relating to the proposed merger between Enterbank Holdings, Inc.
and Commercial Guaranty Bancshares, Inc., and to the reference to our firm
name under the caption "Opinion of CGB's Financial Advisor" in such Joint Proxy
Statement/Prospectus. In giving such consent, we do not admit and we disclaim
that we come within the category of persons whose consent is required under
Section 7 of the Securities Act of 1933, as amended, or the Rules and
Regulations of the Securities and Exchange Commission thereunder.


FISTER & ASSOCIATES, INC.


By: /s/ Patrick J. Fister
    -------------------------------
    Patrick J. Fister
    Executive Vice President