VALLEY FINANCIAL CORP /VA/
S-8, EX-23.2, 2000-09-22
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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Exhibit 23.2




                          Independent Auditors' Consent




The Board of Directors
Valley Financial Corporation


We consent to the incorporation by reference in this  Registration  Statement of
Valley  Financial  Corporation on Form S-8 of our report dated January 14, 2000,
appearing in the Annual  Report on Form 10-KSB of Valley  Financial  Corporation
for the year ended December 31, 1999..


                                                     LARROWE & CO., P.L.C.




Galax, Virginia
September 21, 2000



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