[SMITH & EGGLESTON, P.C. LETTERHEAD]




                             CONSENT OF INDEPENDENT
                          CERTIFIED PUBLIC ACCOUNTANTS




Mid-Atlantic Community BankGroup, Inc.
Gloucester, Virginia


         We hereby  consent to the use of our report,  dated  February 13, 1997,
relating to the consolidated  financial statements and schedules of Mid-Atlantic
Community  BankGroup, Inc.,  in  the  Prospectus  constituting  a part  of  this
Registration  Statement on Form SB-2 and to the  reference to our firm under the
heading "Experts" in such prospectus.


                           /s/ Smith & Eggleston, P.C.



Richmond, Virginia
April 18, 1997