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<PAGE> EXHIBIT 23.2 Consent of Independent Certified Public Accountants --------------------------------------------------- The Organizers Penn Mar Bancshares, Inc. (A Development Stage Company) Westminster, Maryland We consent to the use of our report and to all references to our firm included in or made a part of this registration statement. /s/ Rowles & Company, LLP -------------------------------- Rowles & Company, LLP Baltimore, Maryland December 13, 2000
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