Exhibit 23.2

                          INDEPENDENT AUDITORS' CONSENT


We consent to the use in this Registration Statement of MountainBank Financial
Corporation on Form S-4 of our report dated February 19, 2001 relating to the
financial statement of First Western Bank, appearing in the Proxy
Statement/Prospectus, which is part of this Registration Statement.

We also consent to the reference to us under the heading "Experts" in such
Prospectus.


/S/  Deloitte & Touche LLP


Hickory, North Carolina
October 12, 2001