CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS





          We consent to the use in the Registration  Statement and Prospectus on
Form S-1 to be filed  with the  Securities  and  Exchange  and to the use in the
Application for Conversion on Form AC and the H-(e)1-S  Savings and Loan Holding
Company  Application  to be filed with the Office of Thrift  Supervision  of our
report  dated  January 31, 2002  (except for Note 14 as to which the date is May
21, 2002) on consolidated  financial statements of Synergy Financial Group, Inc.
and subsidiaries as of December 31, 2001 and 2000, and the related  consolidated
statement  of  income,  changes in  stockholders'  equity and cash flows for the
years then  ended.  We also  consent to the  references  to us under the heading
"Experts"  in the  Registration  Statement  and  Prospectus  on  Form  S-1,  the
Application for Conversion on Form AC and the H-(e)1-S Application.

                                           /s/ Fontanella and Babitts


Totowa Boro, NJ
September 17, 2003