CONSENT OF INDEPENDENT ACCOUNTANTS

        We consent to the incorporation by reference in this Registration
Statement of our report, dated January 31, 1995, on the consolidated financial
statements of F&M National Corporation as of December 31, 1994 and 1993, and for
each of the three years in the period ended December 31, 1994, which report is
incorporated by reference in the Annual Report on Form 10-K for the year ended
December 31, 1994 of F&M National Corporation. We also consent to the reference
made to us under the caption "Experts" in the Proxy Statement/Prospectus
constituting a part of this Registration Statement.

                                              /s/ Yount, Hyde & Barbour, P.C.

Winchester, Virginia
January 22, 1996