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