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
     February 26, 1996