EXHIBIT 23.4

                               September __, 2001


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

     Re: Southern Arizona Community 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  Southern
Arizona  Community  Bank  and  to the  reference  to  this  firm  in  the  proxy
statement/prospectus as financial advisor to Southern Arizona Community Bank and
under the caption "Opinion of Financial Adviser".

                                Very truly yours,

                                /s/ John Palffy

                                John Palffy
                                President