Exhibit 23.5
[Letterhead of Ferris Baker Watts]
June 20, 2000
Board of Directors
Heritage Bancorp, Inc.
1313 Dolley Madison Blvd.
McLean, VA 22101-3926
Members of the Board:
We hereby consent to the use of our firm's name in the Form S-4
Registration Statement of Cardinal Financial Corp./Heritage Bancorp, Inc. and
any amendments thereto, and the inclusion of, summary of and references to our
fairness opinion dated June __, 2000 in such filings including the Proxy
Statement/Prospectus of Cardinal Financial Corp/Heritage Bancorp, Inc.
In giving such consent, we do not thereby admit that we come within the
category of persons whose consent is required under Section 7 of the Securities
Act of 1933, as amended, or the rules and regulations of the Securities and
Exchange Commission thereunder.
Sincerely,
Ferris, Baker Watts, Incorporated
/s/ Ferris, Baker Watts, Incorporated
