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                                 EXHIBIT 23.1

                                    [LOGO]
                                ARTHUR ANDERSEN

                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

     As independent public accountants, we hereby consent to the use of our
report dated January 19, 2000 and to all references to our Firm included in or
made a part of this registration statement. We further consent to the use of our
opinion dated August 7, 2000 regarding certain income tax consequences of the
proposed conversion and merger included in or made a part of this registration
statement.


                                                        /s/ Arthur Andersen LLP

Lancaster, PA
September 18, 2000



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