[DAVENPORT & COMPANY LLC LETTERHEAD]



Mid-Atlantic Community BankGroup
7171 George Washington Memorial Highway
Gloucester, Virginia 23061

         We hereby consent to the  inclusion of  Appendix  F to the Joint  Proxy
Statement  constituting a part of this Registration Statement on Form S-4 of our
letter to the Board of Directors and to the reference made to such letter and to
Davenport & Company LLC in the Joint Proxy Statement.

                                        Davenport & Company LLC

                                        /s/ David A. Wright



Richmond, Virginia
September 4, 1998