Exhibit 23.2


           CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

 We hereby  consent to  the incorporation  by reference  in the  Registration
 Statement on Form S-8 (File No.  333-41220) of Hallmark Financial  Services,
 Inc.  of  our  report dated  March 16, 2003  relating  to  the  consolidated
 financial  statements for the year  ended  December 31, 2002,  which  report
 appears in this Form 10-K.


 /s/ PricewaterhouseCoopers LLP
 ------------------------------
 PricewaterhouseCoopers LLP
 Dallas, Texas
 March 30, 2005