EXHIBIT 23.1

INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference  in  Registration  Statement  No.
333-44650 of MCB Financial  Corporation  on Form S-8 of our report dated January
12,  2001,  appearing  in this  Annual  Report on Form  10-KSB of MCB  Financial
Corporation for the year ended December 31, 2000.


/s/ Deloitte & Touche LLP

San Francisco, California
March 28, 2001