MONROE JAMES BANCORP INC
SB-2/A, EX-23.B, 2000-07-25
BLANK CHECKS
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                                                                   Exhibit 23(b)


                       CONSENT OF INDEPENDENT ACCOUNTANTS

We hereby  consent to the use in this  Registration  Statement on Form SB-2 (No.
333-38098) of our report,  dated January 7, 2000,  relating to the  consolidated
financial  statements  of James Monroe  Bancorp,  Inc. and  subsidiary.  We also
consent  to the  reference  to our Firm  under  the  caption  "Experts"  in this
Registration Statement and the related prospectus.


                                       /s/ YOUNT, HYDE & BARBOUR, P.C.



Winchester, Virginia
July 21, 2000






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