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
November 10, 2000