The Board of Directors
Mid-Coast Bancorp, Inc.
We consent to the inclusion in this Annual Report (Form 10-KSB) of Mid-Coast
Bancorp, Inc. of our report dated April 28, 2000. We also consent to the
incorporation by reference in the Registration Statement (Form S-8 No.
33-69194) pertaining to the 1989 Stock Option Plan of Mid-Coast Bancorp,
Inc. and in the Registration Statement (Form S-8 No. 333-49003) pertaining
to the Recognition and Retention Plan of Mid-Coast Bancorp, Inc. of our
report dated April 28, 2000, with respect to the consolidated financial
statements of Mid-Coast Bancorp, Inc. included in this Annual Report (Form
10-KSB) for the year ended March 31, 2000.
/s/ Baker Newman & Noyes
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Limited Liability Company
Portland, Maine
June 16, 2000
