CONSENT OF INDEPENDENT AUDITORS

     We consent  to the  use  of our  report dated  January  6, 1995,  with
respect  to  the  consolidated  financial statements  of  Hinton  Financial
Corporation, included in  this Annual  Report (Form 10-K)  of City  Holding
Company.

     We  also consent to the incorporation by reference in the Registration
Statements  (Form S-3, Number 33-38391, Form S-8, Number 33-38269, and Form
S-8, Number  33-62738), pertaining to  the Dividend Reinvestment  and Stock
Purchase  Plan,  the Profit-Sharing  and 401(k)  Plan,  and the  1993 Stock
Incentive  Plan, respectively, of City  Holding Company and  in the related
Prospectus  of  our  report dated  January  6,  1995, with  respect  to the
consolidated financial statements of Hinton Financial Corporation, included
in this Annual  Report (Form 10-K)  for City Holding  Company for the  year
ended December 31, 1994.



                    /s/ Persinger & Company, LLC


Beckley, West Virginia
March 29, 1995