We assess the stability of Kruskal-Schwarzschild (magnetic Rayleigh-Taylor)
type modes for accreted matter on the surface of a neutron star confined b
y a strong (greater than or similar to 10(12) G) magnetic field. Employing
the energy principle to analyze the stability of short-wavelength balloonin
g modes, we find that line-tying to the neutron star crust stabilizes these
modes until the overpressure at the top of the neutron star crust exceeds
the magnetic pressure by a factor similar to8(a/h), where a and h are, resp
ectively, the lateral extent of the accretion region and the density scale
height. The most unstable modes are localized within a density scale height
above the crust. We calculate the amount of mass that can be accumulated a
t the polar cap before the onset of instability.