EXHIBIT 23




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CHERRY
BEKAERT &
HOLLAND
CERTIFIED PUBLIC
ACCOUNTANTS &
CONSULTANTS
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                         INDEPENDENT AUDITORS' CONSENT


We consent to the  incorporation  by reference  of our report dated  January 31,
1997, on the financial  statements of FFVA  Financial  Corporation  for the year
ended  December  31, 1996,  into the  Registration  Statement on Form S-8,  with
respect to the Company's  Stock Option Plan  originally  filed by FFVA Financial
Corporation with the Securities and Exchange Commission on September 28, 1995.






                                    /s/ Cherry, Bekaert & Holland, L.L.P.
                                    Cherry, Bekaert & Holland, L.L.P.


March 20, 1997
Lynchburg, Virginia