Exhibit 23(iv)



                         Independent Auditors' Consent



     To the Board of Directors and Stockholders
     Of Bank of Tazewell County:



            We consent to the use of our report included herein and to the
     reference to our firm under the heading of "Experts" in the
     Prospectus/Proxy Statement.



                                                            COOK ASSOCIATES, LLP

    
     February 26, 1996