SHORE BANCSHARES INC
S-4, EX-23.1, 2000-09-29
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 23.1

             CONSENT OF  INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
             ----------------------------------------------------


     We hereby consent to the use of our report dated January 7, 2000 relating
to the consolidated financial statements of Shore Bancshares, Inc. and
Subsidiary incorporated herein by reference and to the reference to our firm
under the heading "Experts" in the prospectus.



                                         /s/  Stegman & Company
Baltimore, Maryland
September 25, 2000


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