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                                                                    Exhibit 23.2

              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
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     We hereby consent to the use of our report dated January 21, 2000 relating
to the consolidated financial statements of Talbot Bancshares, Inc. 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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