EXHIBIT 23.2




                              ACCOUNTANT'S CONSENT



The Board of Directors
Rappahannock Bankshares, Inc.

         We consent to the use of our report included herein in the Registration
Statement filed on or about April 6, 1998, and to the reference to our firm
under the heading "Experts" in the proxy statement prospectus.




Harrisonburg, Virginia                 /s/ S. B. Hoover & Company, L.L.P.
April 6, 1998