EXHIBIT 23.3


CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

FRANKLIN HOLDING COMPANY, INC.


We hereby consent to the use in this Registration Statement on Form S-1 of our
report dated April 27, 2001, relating to the consolidated statements of
earnings, changes in stockholders' equity and cash flows of Franklin Holding
Company, Inc. and subsidiary, and to the reference to our Firm under the caption
"Experts" in the prospectus.


                                                  BROWN SCHULTZ SHERIDAN & FRITZ



Camp Hill, Pennsylvania
July 28, 2003