CONSENT OF INDEPENDENT AUDITORS


The Board of Directors
American Financial National, Inc.:

The audit referred to in our report dated August 27, 1998 relating to the 
consolidated financial statements of American Financial National, Inc. as of 
and for the year ended December 31, 1997, included the related financial 
statement schedules as of and for the year ended December 31, 1997, included 
in the registration statement.  These financial statement schedules are the 
responsibility of the Company's management.  Our responsibility is to express 
an opinion on these financial statement schedules based on our audit.  In our 
opinion, such financial statement schedules, when considered in relation to 
the basic consolidated financial statements taken as a whole, present fairly 
in all material respects the information set forth therein.

The audit referred to in our report dated August 27, 1998 relating to the 
financial statements of ANFI Predecessor included the related financial 
statement schedules as of December 31, 1996, and for each of the years in the 
two-year period ended December 31, 1996 and the six months ended June 30, 
1997, included in the registration statement.  These financial statement 
schedules are the responsibility of the Company's management.  Our 
responsibility is to express an opinion on these financial statement 
schedules based on our audit.  In our opinion, such financial statement 
schedules, when considered in relation to the basic financial statements 
taken as a whole, present fairly in all material respects the information set 
forth therein.

We consent to the use of our reports included herein and to the reference to our
firm under the heading "Experts" in the prospectus.

                                            KPMG Peat Marwick LLP


Orange County, California
August 27, 1998