Exhibit 23(i)



                         Independent Auditors' Consent



The Board of Directors
National Bankshares, Inc.:


We consent to the use of our report included herein and to the reference to
our firm under the heading of "Experts" in the joint Prospectus/Proxy
Statement.  We also consent to the references to our firm under the
headings "SUMMARY-Certain Federal Income Tax Consequences," "THE MERGER-
Certain Federal Income Tax Consequences" and "Tax Opinion" in the joint
Prospectus/Proxy Statement and to the filing of the tax opinion as an
exhibit to the Registration Statement on Form S-4.



                                    KPMG PEAT MARWICK LLP


Roanoke, Virginia
December 8, 1995