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EXHIBIT 16
October 10, 2000
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Commissioners:
We have read the statements made by Essex Bancorp, Inc. (copy attached), which
we understand will be filed with the Commission, pursuant to Item 4 of Form 8-K,
as part of the Company's Form 8-K report dated October 4, 2000. We agree with
the statements concerning our Firm in such Form 8-K.
Very truly yours,
PricewaterhouseCoopers LLP
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