CONSENT OF JANNEY MONTGOMERY SCOTT INC.



We hereby consent to the use of our opinion letter dated __________ to the Board
of Directors of Regent Bancshares Corp. and to the references to our firm in the
Proxy Statement/Prospectus which forms a part of the Registration Statement on
Form S-4 relating to the proposed merger of Regent Bancshares with and into
Carnegie Bancorp.


In giving this consent, we do not admit 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 promulgated thereunder.


JANNEY MONTGOMERY SCOTT INC.