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