Exhibit 23.4



                        CONSENT OF INVESTMENT BANKERS



      We consent to the use,  quotation and  summarization  in the  Registration
Statement on Form S-4 of our fairness opinion dated November 10, 1998,  rendered
to the Board of Directors of Security Bank  Corporation  in connection  with the
acquisition of Security Bank Corporation by F&M National  Corporation and to the
use of our  name,  and the  statements  with  respect  to us,  appearing  in the
Registration Statement.



                                          SCOTT & STRINGFELLOW, INC.



Richmond, Virginia
January 6, 1999