[LETTERHEAD OF DANIELSON ASSOCIATES INC.]
                            

         We hereby consent to the reference to our name  appearing  herein under
the caption  entitled  "Approval  of  Agreement  and Plan of Merger - Opinion of
Penncore Financial  Advisor." We further consent to the use of our letter to the
Board of Directors of Penncore  Financial  Services  Corporation  concerning the
fairness of the financial terms of the proposed merger,  appearing as Annex C to
the Proxy Statement/Prospectus contained herein.

                                        /s/ Arnold G. Danielson
                                        Arnold G. Danielson, Chairman




Rockville, Maryland
April 22, 1997