<PAGE>
Exhibit 23
Consent of Independent Certified Public Accountants
We have issued our reports dated September 7, 2000, accompanying the
consolidated financial statements included in the Annual Report of Crusader
Holding Corporation on Form 10-K for the year ended June 30, 2000. We hereby
consent to the incorporation by reference of said reports in the Registration
Statements of Crusader Holding Corporation on Form S-8 (File No. 333-64821,
effective September 30, 1998).
Philadelphia, Pennsylvania /s/ Grant Thornton LLP
September 7, 2000 -----------------------------
Grant Thornton LLP