EXHIBIT 23.4

                   [LETTERHEAD OF SYMONDS EVANS & CO., P.C.]


                        CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in Umpqua Holdings Corporation's
Form S-4 of our report dated January 18, 2002 with respect to the consolidated
financial statements of Centennial Bancorp and subsidiary (Centennial) included
in Centennial's Annual Report on Form 10-K for the year ended December 31, 2001.


/s/ Symonds, Evans & Co., P.C.

Portland, Oregon
September 4, 2002