Exhibit 23.4

Tucker Anthony Incorporated

One Beacon Street
Boston, Massachusetts 02108
(617) 725-1762
(617) 725-2483 Fax

Investment Banking

                     CONSENT OF TUCKER ANTHONY INCORPORATED

July 1, 1999

We  consent  to the  inclusion  in this  Registration  Statement  on Form S-4 of
Southern Financial  Bancorp,  Inc. of our opinion set forth as Appendix C to the
Joint Proxy  Statement/Prospectus,  which is part of the Registration Statement,
and to the reference to our firm and  summarization  of our opinion in the Joint
Proxy  Statement/Prospectus  under the caption "Opinion of Southern  Financial's
Advisor."

Tucker Anthony Incorporated


/s/ Stephen Clinton
- ---------------------------
Stephen Clinton
Vice President