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EXHIBIT 23.4
RP FINANCIAL, LC.
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Financial Services Industry Consultants
August 10, 2000
Board of Directors
Harris Savings Bank
235 North Second Street
Harrisburg, Pennsylvania 17101
Members of the Board of Directors:
We hereby consent to the use of our firm's name in the Prospectus and
the filing of the appraisal report and subscriptions rights letter in the
Registration Statement on Form S-1 and Form S-4.
Sincerely,
/s/ RP Financial, LC.
RP FINANCIAL, LC.
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Washington Headquarters
Rosslyn Center
1700 North Moore Street, Suite 2210
