CONSENT OF INDEPENDENT ACCOUNTANTS

    We consent to the incorporation by reference in this Registration Statement
of our report, dated January 31, 1996, except for Notes 10 and 21 as to which
the date is April 22, 1996, on the consolidated financial statements of F&M
National Corporation as of December 31, 1995 and 1994, and for each of the three
years in the period ended December 31, 1995, which report is incorporated by
reference from F&M's Current Report on Form 8-K dated July 1, 1996, which
restates the consolidated financial statements that are incorporated by
reference from F&M's Annual Report on Form 10-K for the year ended December 31,
1995, to reflect the acquisition of FB&T Financial Corporation by F&M on March
29, 1996. 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
July 3, 1996