Exhibit 23(e)



                      CONSENT OF DANIELSON ASSOCIATES INC.
                      ------------------------------------

        We hereby consent to the reference to our name appearing herein under
the captions entitled "Summary," "The Merger--Background of and Reasons for the
Merger; Recommendation of the FCNB Board" and "The Merger--Opinion of Financial
Advisor to FCNB." We further consent to the use of our letter to the Board of
Directors of FCNB Corp concerning the fairness of the financial terms of the
proposed merger, appearing as Appendix B to the Proxy Statement/Prospectus
contained herein.

                                                /s/ Jon D. Holtaway
                                                --------------------------
                                                Jon D. Holtaway, Principal
                                                Danielson Associates Inc.

Rockville, Maryland
November 9, 2000