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Exhibit 23.4
Consent of Independent Public Accountants
As independent public accountants, we hereby consent to the incorporation by
reference in this registration statement on Form S-4 of our report dated
January 12, 2000 (except with respect to the matter discussed in Note 20, as to
which the date is February 23, 2000) included in Skylands Financial
Corporation's Form 10-KSB for the year ended December 31, 1999 and to all
references to our Firm included in this registration statement on Form S-4.
/s/ Arthur Andersen LLP
Roseland, New Jersey
June 9, 2000
