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                                                                      EXHIBIT 23


                       CONSENT OF INDEPENDENT ACCOUNTANTS


The Board of Directors
Alfa Corporation:

We consent to incorporation by reference in the registration statements
(No. 33-77916 and 33-76460) on Form S-8 and (No. 33-83134) on Form S-3 of Alfa
Corporation of our reports dated February 3, 2000, relating to the consolidated
balance sheets of Alfa Corporation and subsidiaries as of December 31, 1999 and
1998, and the related consolidated statements of income, comprehensive income,
stockholders' equity and cash flows for each of the years in the three-year
period ended December 31, 1999, and all related schedules, which reports appear
or are incorporated by reference in the December 31, 1999 annual report on Form
10-K of Alfa Corporation.


                                                        /s/ KPMG LLP

Birmingham, Alabama
March 24, 2000
