CARDINAL FINANCIAL CORP
S-4/A, EX-23, 2000-06-20
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 23.2


                              ACCOUNTANTS' CONSENT
                              --------------------


The Board of Directors
Cardinal Financial Corporation and Subsidiaries:

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



/s/ KPMG LLLP

McLean, Virginia
June 20, 2000



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