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CONSENT OF INDEPENDENT ACCOUNTANTS
We hereby consent to the incorporation by reference in the Registration
Statement (No. 333-67535) on Form S-8 of the Virginia Bankers Association
Defined Contribution Plan for Citizens and Farmers Bank and Virginia Bankers
Association Defined Contribution Plan for C & F Mortgage Corporation (the Plans)
of our reports dated May 2, 2000 and May 10, 2000, relating to the statements of
net assets available for benefits as of December 31, 1999 and 1998, and the
statements of changes in net assets available for benefits for the years ended
December 31, 1999 and 1998, which reports appear in the December 31, 1999 annual
report on Form 11-K of the Plans.
/s/ Yount, Hyde & Barbour, P.C.
Winchester, Virginia
June 22, 2000
