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Exhibit 23(d)
Consent of Independent Certified Public Accountants
We hereby consent to the incorporation by reference in this Registration
Statement on Form S-4 of our report, dated January 26, 2000, relating to the
consolidated financial statements of FCNB Corp that are incorporated by
reference in the annual report on Form 10-K of FCNB Corp for the year ended
December 31, 1999. We also hereby consent to the reference to our Firm under the
caption "Experts" in the Prospectus.
/s/ Keller Bruner & Company, L.L.P.
Frederick, Maryland
September 18, 2000
