HALLMARK FINANCIAL SERVICES INC
S-8, EX-23.2, 2000-07-12
INSURANCE CARRIERS, NEC
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                                 EXHIBIT 23.2

                  CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


 As independent public accountants, we hereby consent to the incorporation by
 reference in this Registration Statement of our reports with respect to  the
 consolidated financial  statements  of  Hallmark  Financial  Services,  Inc.
 included in  its Annual  Report on  Form 10-KSB  for the  fiscal year  ended
 December 31, 1999.



                                    PricewaterhouseCoopers LLP


 Dallas, Texas
 June 19, 2000



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