EXHIBIT 23.2






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
17, 1997,  incorporated  by reference in this Annual  Report on Form 10-K of C&F
Financial Corporation for the year ended December 31, 1997.

/s/DELOITTE & TOUCHE LLP

Richmond, Virginia
March 20, 1998