Exhibit 23(a) INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in the Registration Statements of Tri-County Financial Corporation on Form S-8 (SEC File Nos. 33-35292, 33-97174 and 333-2056) of our report dated March 14, 1997, which is incorporated by reference in the Annual Report on Form 10-K of Tri-County Financial Corporation for the year ended December 31, 1996. /s/ Deloitte & Touche LLP Washington, D.C. April 10, 1997