EXHIBIT 23.1






INDEPENDENT AUDITORS' CONSENT


We consent to the  incorporation  by reference  in  Registration  Statement  No.
33-88624 of C&F  Financial  Corporation  on Form S-8 of our report dated January
15,1998,  incorporated  by reference in this Annual Report on Form 10-KSB of C&F
Financial Corporation for the year ended December 31, 1997.


/s/ YOUNT, HYDE & BARBOUR, P.C.

Winchester, Virginia
March 20, 1998