CARDINAL FINANCIAL CORP
S-4/A, EX-23, 2000-06-20
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 23.4


                                  June 20, 2000



Wayne A. Whitham, Jr. Esq.
Williams, Mullen, Clark & Dobbins
1021 East Cary Street
Richmond, VA 23219


                          CONSENT OF INVESTMENT BANKERS
                          -----------------------------

Gentlemen:

We consent to the use, quotation and summarization in the Registration Statement
on Form S-4 of our fairness opinion dated June __, 2000 rendered to the Board of
Directors of Cardinal  Financial  Corporation in connection with its merger with
Heritage Bancorp,  Inc. and the use of our name, and the statements with respect
to us, appearing in the Registration Statement.

                                               Sincerely,

                                               SCOTT & STRINGFELLOW, INC.

                                               /s/ Gary S. Penrose

                                               Gary S. Penrose
                                               Managing Director
                                               Financial Institutions Group




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