Exhibit 23.1
CONSENT OF INDEPENDENT ACCOUNTANTS
We hereby consent to the incorporation by reference in this Registration
Statement on Form S-3 (the "Registration Statement") of our report dated March
16, 2003 relating to the financial statements, which appears in Hallmark
Financial Services, Inc.'s (the "Company") Annual Report on Form 10-KSB for the
year ended December 31, 2002. We also consent to the incorporation by reference
in such Registration Statement of our reports dated February 12, 2003 and April
14, 2003 relating to the combined financial statements of Millers General
Agency, Inc., Effective Litigation Management, Inc. and Financial and Actuarial
Resources, Inc. and the financial statements of Phoenix Indemnity Insurance
Company, respectively, which reports appear in the Company's current reports on
Form 8-K/A filed February 14, 2003 and April 14, 2003, respectively. We also
consent to the reference to us under the heading "Experts" in such Registration
Statement.
PricewaterhouseCoopers LLP
Dallas Texas
July 8, 2003
