EXHIBIT 23.2


           CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
           --------------------------------------------------------


 We hereby consent  to the incorporation  by reference  in this  Registration
 Statement on Form S-3  of our report  dated  March 16, 2003 relating to  the
 consolidated financial  statements  for  the year  ended  December 31, 2002,
 which report appears in Hallmark Financial Services, Inc.'s Annual Report on
 Form 10-K for  the year ended  December 31, 2004.   We also  consent to  the
 reference to us under the heading "Experts" in such Registration Statement.


 PricewaterhouseCoopers LLP
 Dallas, Texas
 April 11, 2005