EXHIBIT 23


                          INDEPENDENT AUDITORS' CONSENT



We consent to the incorporation by reference in the Registration Statements on
Forms S-8 (No. 333-44090 and No. 333-44320) of Hanmi Financial Corporation of
our report dated January 25, 2004, related to the consolidated statements of
financial condition of Hanmi Financial Corporation and subsidiary as of December
31, 2003 and 2002, and the related consolidated statements of operations,
changes in shareholders' equity and comprehensive income and cash flows for each
of the years in the three-year period ended December 31, 2003, which report
appears in the Annual Report on Form 10-K of Hanmi Financial Corporation for the
year ended December 31, 2003.



/s/KPMG LLP
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Los Angeles, California
March 15, 2004