COMMUNITY FINANCIAL GROUP INC
S-8, EX-23.1, 2000-07-27
STATE COMMERCIAL BANKS
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                                                                    EXHIBIT 23.1







                         CONSENT OF INDEPENDENT AUDITORS








The Board of Directors
Community Financial Group, Inc.:

We consent to the use of our reports incorporated herein by reference.




                                             KPMG LLP



Nashville, Tennessee
July 19, 2000






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