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                                                                      EXHIBIT 23









The Board of Directors
Community Financial Group, Inc.:


We consent to incorporation by reference in the registration statement (No.
333-24309) on Form S-2 of Community Financial Group, Inc. of our report dated
January 23, 2001, relating to the consolidated balance sheets of Community
Financial Group, Inc. and subsidiaries as of December 31, 2000 and 1999, and the
related consolidated statements of income, changes in shareholders' equity and
comprehensive income, and cash flows for each of the years in the three-year
period ended December 31, 2000, which report is included in the December 31,
2000 Form 10-K of Community Financial Group, Inc.




Nashville, Tennessee
March 20, 2001