Exhibit 23.4 CONSENT OF DIRECTOR NOMINEE I hereby consent to be named as a director nominee of Arbor National Holdings, Inc. ("Arbor") under the caption "Management - Non-Employee Director Nominees" in the Registration Statement (Form S-1 No. 333-56889) and related Prospectus of Arbor, as may be amended from time to time. July 23, 1998 /s/Richard A. Lippe ------------------- Richard A. Lippe CONSENT OF DIRECTOR NOMINEE I hereby consent to be named as a director nominee of Arbor National Holdings, Inc. ("Arbor") under the caption "Management - Non-Employee Director Nominees" in the Registration Statement (Form S-1 No. 333-56889) and related Prospectus of Arbor, as may be amended from time to time. July 23, 1998 /s/Larry Swedroe ---------------- Larry Swedroe CONSENT OF DIRECTOR NOMINEE I hereby consent to be named as a director nominee of Arbor National Holdings, Inc. ("Arbor") under the caption "Management - Non-Employee Director Nominees" in the Registration Statement (Form S-1 No. 333-56889) and related Prospectus of Arbor, as may be amended from time to time. July 23, 1998 /s/Scott Rudolph ------------------------ Scott Rudolph