EXHIBIT 23.2

                        Consent of Independent Auditors






                        CONSENT OF INDEPENDENT AUDITORS

Board of Directors
Virginia Beach Federal Financial Corporation
2101 Parks Avenue
Virginia Beach, Virginia  23451

      We consent to the use of our  report,  incorporated  herein by  reference,
relating to the  statement of  financial  condition  of Virginia  Beach  Federal
Financial  Corporation  as of December  31, 1995,  and the related  consolidated
statements of operations,  cash flows and stockholders' equity for the year then
ended and to the  reference  to our firm  under  the  heading  "Experts"  in the
prospectus.




                               /s/KPMG Peat Marwick LLP
                               KPMG Peat Marwick LLP




Richmond, Virginia
February 24, 1997