EXHIBIT 23.2






                          INDEPENDENT AUDITOR' CONSENT


We consent to the incorporation by reference in this Registration Statement of
C&F Financial Corporation on Form S-8 of our report dated January 17, 1997, on
the consolidated financial statements of C&F Financial Corporation as of and for
the year ended December 31, 1996.


/s/ Deloitte & Touche LLP

Richmond, Virginia
October 20, 1999