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                                                                    Exhibit 23.3
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                      CONSENT OF INDEPENDENT ACCOUNTANTS

 
We consent to the incorporation by reference in (a) the Registration Statement
on Form S-8 (No. 33-5874), the Post-Effective Amendment No. 1 to the
Registration Statement on Form S-8 (No. 2-91176), the Registration Statement on
Form S-8 (No. 33-28808) and in the related prospectuses, each pertaining to the
CoreStates Financial Corp Long-Term Incentive Plan, (b) the Registration
Statement on Form S-8 (No. 33-32934) and prospectus relating to the CoreStates
Savings Plan, (c) the Registration Statement on Form S-8 (No. 33-50324)
pertaining to the CoreStates Financial Corp 1992 Long-Term Incentive Plan, (d)
the Registration Statement on Form S-3 (No. 33-57034) and related prospectus and
prospectus supplements pertaining to $1,000,000,000 in aggregate amount of Debt
Securities issuable by CoreStates Capital Corp and the related guarantees of the
Corporation, and Preferred Stock, Depository Shares, Common Stock and Capital
Securities issuable by the Corporation, (e) the Registration Statement on Form
S-3 (No. 33-54049) and the related prospectus and prospectus supplements
pertaining to $1,000,000,000 in aggregate amount of Debt Securities and warrants
issuable by CoreStates Capital Corp and the related guarantees of the
Corporation and Preferred Stock, Depository Shares and Common Stock, and Capital
Securities, issuable by the Corporation, (f) the Registration Statement on Form
S-4, as amended by Form S-8, (No. 33-48422) and prospectus relating to shares of
the Corporation Common Stock issuable upon the exercise of stock options, the
obligation in respect to which were assumed by the Corporation in connection
with the acquisition of First Peoples Corporation, (g) the Registration
Statement on Form S-3, as amended by Post Effective Amendment No. 2 (No. 
33-40717) and prospectus relating to shares of the Corporation Common Stock
issuable pursuant to the CoreStates Dividend Reinvestment and Share Purchase
Plan, (h) the Registration Statement on Form S-4, as amended by Form S-8 (No. 
33-51429) and prospectus relating to shares of the Corporation Common Stock
issuable upon the exercise of stock options, the obligation in respect to which
were assumed by the Corporation in connection with the acquisition of
Constellation Bancorp, (i) the Registration Statement on Form S-4, as amended by
Form S-8 (No. 33-53539) and prospectus relating to shares of the Corporation
Common Stock issuable upon the exercise of stock options, the obligation in
respect to which were assumed by the Corporation in connection with the
acquisition on Independence Bancorp, Inc., (j) the Registration Statement on
Form S-4, as amended by Form S-8 (No. 33-55505) and prospectus relating to
shares of the Corporation Common Stock issuable upon the exercise of stock
options, the obligation in respect to which were assumed by the Corporation in
connection with the acquisition of Germantown Savings Bank and (k) the
Registration Statement Form S-4 (No. 333-00067) and prospectus relating to
shares of the Corporation Common Stock issuable upon the exercise of stock
options, the obligations in respect to which were assumed by the Corporation in
connection with the acquisition of Meridian Bancorp, Inc., of our report, which
includes an explanatory paragraph related to changes in the method of accounting
for investments in 1993, dated January 19, 1994, on our audit of the
consolidated financial statements of Independence Bancorp, Inc. as of and for
the year ended December 31, 1993, incorporated by reference in CoreStates Annual
Report on Form 10-K for the year ended December 31, 1995.

                                                    /s/ Coopers & Lybrand L.L.P.

Philadelphia, Pennsylvania
March 25, 1996