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[LOGO OF 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 June 22, 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
June 22, 2000
