CONSENT OF FINANCIAL ADVISOR

We consent to the use in this registration  statement  on Form S-4 of our letter
to the Board of Directors of Granville  United, in which we discuss the fairness
of the merger   to  Granville's shareholders from a financial viewpoint. We also
consent to  any references  to  such  letter  and  to  our  firm  in  the  Proxy
Statement-Prospectus. In giving such  consent, we  do  not  thereby  admit  that
we come within the category of persons  whose  consent is required under Section
7 of the Securities Act of  1933  or the rules and regulations of the Securities
Exchange Commission thereunder.

                                          (Signature of Equity Research Services
                                                        appears here)

                                               Equity Research Services, Inc.

June 26, 1996