Exhibit 23.2

INDEPENDENT AUDITORS' CONSENT
   
We consent to use in this Amendment No. 1 to Registration Statement No.
333-45065 of F&M National Corporation on Form S-4 of our report dated January
17, 1997 (January 27, 1998, as to Note 10b) relating to the consolidated
financial statements of Peoples Bank of Virginia as of December 31, 1996 and
1995 and for each of the three years in the period ended December 31, 1996
appearing in the Proxy Statement/Prospectus, which is a part of this
Registration Statement.
    
We also consent to the reference to us under the heading "Experts" in such Proxy
Statement/Prospectus.

/s/DELOITTE & TOUCHE LLP
   
Richmond, Virginia
February 11, 1998