Exhibit 23.2




The Board of Directors
Southern Financial Bancorp, Inc.

We consent to the inclusion  herein of our report dated  February 2, 1999,  with
respect to the consolidated  balance sheets of Southern Financial Bancorp,  Inc.
as of December 31, 1998 and 1997,  and the related  consolidated  statements  of
income,  comprehensive  income,  changes in stockholders' equity, and cash flows
for each of the years then  ended,  and to the  reference  to our firm under the
heading "Experts" in the prospectus.

(signed) KPMG LLP


Washington, DC
July 1, 1999