Exhibit 23.2


                      CONSENT OF INDEPENDENT ACCOUNTANTS

 We hereby  consent to  the incorporation  by reference  in the  Registration
 Statement on Form S-8 (File No.  333-41220) of Hallmark Financial  Services,
 Inc.  of  our  report  dated  March  16,  2003  relating  to  the  financial
 statements, which appears in this Form 10-KSB.


 /s/ PricewaterhouseCoopers LLP
 ------------------------------
 PricewaterhouseCoopers LLP
 Dallas, Texas
 March 30, 2004