EXHIBIT 23.4


                               September __, 2001



Sun Community Bancorp Limited
2777 East Camelback Road
Suite 375
Phoenix, Arizona 85016

     Re: Mesa Bank

Ladies and Gentlemen:

     JMP  Financial,  Inc.  hereby  consents  to  your  including  a copy of the
fairness opinion in the proxy statement/prospectus with regards to Mesa Bank and
to the  reference  to this firm in the proxy  statement/prospectus  as financial
advisor to Mesa Bank and under the caption "Opinion of Financial Adviser".

                                Very truly yours,

                                /s/ John Palffy

                                John Palffy
                                President