Exhibit 23.1

                         Independent Auditors' Consent

The Board of Directors
Yardville National Bancorp:

We consent to the use of our report dated January 29, 2002, with respect to the
consolidated statements of condition of Yardville National Bancorp and
subsidiaries as of December 31, 2001 and 2000, and the related consolidated
statements of income, changes in stockholders' equity, and cash flows for each
of the years in the three-year period ended December 31, 2001, incorporated
herein by reference.

We consent to the use of our report dated June 4, 2002, with respect to the
statements of net assets available for benefits of Yardville National Bank
Employees' Retirement Savings Plan as of December 31, 2001 and 2000, and the
related statements of changes in net assets available for benefits for the years
then ended, incorporated herein by reference.

/s/ KPMG LLP

Short Hills, New Jersey
September 30, 2002