Exhibit 23 (a)





Consent of Independent Auditors




The Board of Directors
First Citizens Financial Corporation
Gaithersburg, Maryland:


     We consent to  incorporation  by reference in the  registration  statements
(Nos.  33-27259,  33-62466 and  33-91612) of our report dated  February 3, 1995,
relating to the consolidated  statement of financial condition of First Citizens
Financial  Corporation  and  subsidiary as of December 31, 1994, and the related
consolidated statements of income, stockholders' equity, and cash flows for each
of the years in the  two-year  period ended  December 31, 1994,  which report is
incorporated by reference in the December 31, 1995 annual report on Form 10-K of
First  Citizens  Financial  Corporation.  Our  report  refers to a change in the
method of accounting for income taxes in 1993.


                                      KPMG PEAT MARWICK LLP

Washington, D.C.
March 20, 1996




                                                                  Exhibit 23 (b)





Consent of Independent Public Accountants




As independent  public  accountants,  we hereby consent to the  incorporation by
reference  in this Form 10-K of our report  dated  January 26, 1996  included in
First  Citizens  Financial   Corporation's  (the   "Corporation")   Registration
Statement File Nos. 33-27259,  33-62466 and 33-91612. It should be noted that we
have not audited any  financial  statements  of the  Corporation  subsequent  to
December 31, 1995 or performed  any audit  procedures  subsequent to the date of
our report.


                                      ARTHUR ANDERSEN LLP


Washington, D.C.
March 29, 1996