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Exhibit 23.1
[Letterhead of D.R. Maxfield & Company]
CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT
We consent to the use in this Registration Statement on Form S-2 amending
Form S-4, of our report included herein dated February 17, 2000, relating to the
consolidated financial statements of United Financial Banking Companies and
subsidiaries, to the incorporation by reference of such report included in the
Company's 1999 annual report on Form 10-KSB and to the reference to our Firm
under the caption "Experts" in the Prospectus.
/s/ D.R. Maxfield & Company
D.R. MAXFIELD & COMPANY
Fairfax, Virginia
June 20, 2000
