EXHIBIT 23
CONSENT OF CERTIFIED PUBLIC ACCOUNTANTS


We hereby consent to the use of our report dated January 27, 1999 in this Annual
Report on Form 10-K relating to the Consolidated Financial Statements of F&M
National Corporation and Subsidiaries, appearing under Item 8, Financial
Statements and Supplementary Data, including, without limitation, the
incorporation by reference in the Prospectuses constituting part of the
Registration Statements on Form S-8 (#333-63111) and Form S-8 (#333-63113) of
F&M National Corporation.



                     YOUNT, HYDE & BARBOUR, P.C.



March 22, 1999
Winchester, Virginia