Exhibit 23.3
Accountants' Consent
The Board of Directors
Valley Financial Corporation:
We consent to incorporation by reference herein of our report dated January 22,
1999, relating to the consolidated balance sheet of Valley Financial Corporation
and subsidiary as of December 31, 1998, and the related consolidated statements
of income and comprehensive income, changes in shareholders' equity, and cash
flows for the year then ended, which report is also included in the December 31,
1999 Form 10-KSB of Valley Financial Corporation.
KPMG LLP
Roanoke, Virginia
September 21, 2000
