[GRANT THORNTON LLP LETTERHEAD]

               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



We have issued our report dated January 28, 2004  accompanying  the consolidated
financial  statements of Synergy  Financial Group,  Inc.  included in the Annual
Report on Form 10-K for the year ended December 31, 2003 which are  incorporated
by reference in this Registration  Statement. We consent to the incorporation by
reference in the Registration Statement of the aforementioned report.





                                             /s/Grant Thornton LLP
                                             -----------------------------------
                                             Grant Thornton LLP


May 17, 2004

Philadelphia, Pennsylvania