1 DANIELSON ASSOCIATES INC. 6110 EXECUTIVE BOULEVARD SUITE 504 ROCKVILLE, MARYLAND 20852-3903 TEL: (301) 468-4884 FAX: (301) 468-0013 PITTSBURGH OFFICE ----------------- TEL: (412) 262-3207 Exhibit 23(e) We hereby consent to the reference to our name appearing herein under the captions entitled "SUMMARY-REASONS FOR THE MERGER - FIRST-KNOX & OPINION OF DANIELSON" and "THE MERGER-OPINION OF DANIELSON." We further consent to the use of our letter to the Board of Directors of First-Knox concerning the fairness of the financial terms of the proposed merger, appearing as Appendix E to the Prospectus/Proxy Statement contained herein. ARNOLD G. DANIELSON ------------------------------- Arnold G. Danielson, Chairman Rockville, Maryland February 11, 1997