EXHIBIT 23(a)





                        INDEPENDENT ACCOUNTANTS' CONSENT

The Board of Directors
Unity Bancorp, Inc.:


We consent to incorporation by reference in post-effective amendment No. 1 to
the registration statement on Form S-4 (No. 333-61498), pertaining to the
exchange offer of Series A Preferred Stock, of Unity Bancorp, Inc. of our report
dated February 28, 2001, relating to the consolidated balance sheets of Unity
Bancorp, Inc. and subsidiary as of December 31, 2000 and 1999, and the related
consolidated statements of operations, changes in shareholders' equity, and cash
flows for the years then ended, and to the reference to our firm under the
heading "Experts" in the prospectus.

                                          /s/  KPMG LLP
                                          ----------------------------
                                                  KPMG LLP

Short Hills, New Jersey
December 14, 2001