EXHIBIT 23.1

INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in Registration Statement No
333-51425 of LIFE Financial Corporation on Form S-8 of our report dated March
26, 1999, appearing in the Annual Report on Form 10-K of LIFE Financial
Corporation for the year ended December 31, 2000.


DELOITTE & TOUCHE LLP

Costa Mesa, California
March 30, 2001