Exhibit 23(iii)


                         CONSENT OF FINANCIAL ADVISERS



     We consent to the inclusion of our Fairness Opinion issued to Bank of
     Tazewell County in this registration statement on Form S-4.  We also
     consent to the reference to our firm under the captions "SUMMARY," "THE
     MERGER--Background of the Merger," "THE MERGER--Recommendations of the
     Board of Directors of BTC; Reasons for the Merger," and "THE MERGER--
     Opinions of BTC's Financial Adviser," and to the references to our firm and
     inclusion of our Fairness Opinion in the Prospectus/Proxy Statement forming
     part of the Registration Statement on Form S-4.



                                                     BAXTER FENTRISS AND COMPANY


    
     Richmond, Virginia
     February 26, 1996