CONSENT OF INDEPENDENT
CERTIFIED PUBLIC ACCOUNTANTS
Community Financial Corporation
Staunton, VA
We hereby consent to the incorporation in the Registration Statements on Forms
S-8 (Reference Nos. 33-36124 and 33-73844) of our report dated April 28, 2000,
relating to the consolidated financial statements of Community Financial
Corporation and subsidiaries appearing in the Corporation's Annual Report on
Form 10-KSB for the year ended March 31, 2000.
/s/ BDO Seidman, LLP
BDO SEIDMAN, LLP
Richmond, Virginia
June 28, 2000
