EXHIBIT 23.1

               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS


    We consent to the incorporation by reference in the Registration Statement 
(Form S-3 No. 33-.....) and the related Prospectus pertaining to the First 
Commercial Corporation Dividend Reinvestment and Common Stock Purchase Plan of 
our report dated February 16, 1995, with respect to the consolidated financial 
statements of First Commercial Corporation incorporated by in its Annual Report 
(Form 10-K) for the year ended December 31, 1994.



                                                       /s/Ernst & Young LLP

Little Rock, Arkansas
March 8, 1996