Exhibit 23.1

The Board of Directors
MountainBank Financial Corporation

     We consent to the use of our report on the financial statements of
MountainBank Financial Corporation incorporated herein by reference from its
Current Report on Form 8-K dated March 30, 2001, as amended by Form 8-K/A dated
May 1, 2001.

                                              /S/ LARROWE & COMPANY, PLLC

Galax, Virginia
December 28, 2001