Exhibit 23(b) [LETTERHEAD OF CB&M] Independent Auditors' Consent We consent to the incorporation by reference in the Registration Statements of Tri-County Financial Corporation and Subsidiary on Form S-8 (SEC File Nos. 33-35292, 33-97174 and 333-2056) of our report dated March 3, 1995, which is incorporated by reference in the Annual Report on Form 10K of Tri-County Financial Corporation and Subsidiary for the year ended December 31, 1994. /s/ Councilor, Buchanan & Mitchell, P.C. Bethesda, Maryland April 7, 1997