

                                                                    Exhibit 23.3



               CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANT


We have issued our report dated February 19, 1999 accompanying the consolidated
financial statements of Admiralty Bancorp, Inc. and subsidiary for the year
ended December 31, 1998, appearing in the 1999 Annual Report on Form 10-KSB for
the year ended December 31, 1999, which is incorporated by reference in this
Registration Statement. We consent to the incorporation by reference in the
Registration Statement of the aforementioned report and to the use of our name,
as it appears under the caption "Experts."


/s/ Grant Thornton LLP

Philadelphia, Pennsylvania
September 15, 2000

