Exhibit 23.2


                        Independent Accountants' Consent




The Board of Directors
Southern Financial Bancorp, Inc:

We consent to the use of our report dated February 10, 2000, with respect to the
consolidated  balance sheets of Southern Financial Bancorp,  Inc. as of December
31,  1999  and  1998,  and  the  related  consolidated   statements  of  income,
comprehensive income, changes in stockholders' equity and cash flows for each of
the years in the three-year period ended December 31, 1999, and to the reference
to our firm under the heading "Experts" in the Prospectus.  Our report refers to
our reliance on another  auditors' report with respect to amounts related to The
Horizon  Bank of  Virginia  for  1998 and 1997  included  in the  aforementioned
consolidated financial statements.

/s/ KMPG LLP

Richmond, Virginia
June 16, 2000