EXHIBIT 23

                    CONSENT OF CERTIFIED PUBLIC ACCOUNTANTS


       We hereby consent to the use of our report dated January 31, 1995, in
this Annual Report on Form 10-K relating to the Consolidated Financial
Statements of F&M National Corporation and Subsidiaries, appearing under Item
8., Financial Statements and Supplementary Data, including, without limitation,
the incorporation by reference in the Prospectuses constituting part of the
Registration Statements on Form S-8 (#2- 77374 and #33-47685) of F&M National
Corporation.



                                                  /s/
                                                  YOUNT, HYDE & BARBOUR, P.C.





March 27, 1995
Winchester, Virginia