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                                                                    EXHIBIT 23.1
 
                              ACCOUNTANTS' CONSENT
 
The Board of Directors
First American Corporation:
 
We consent to the use of our audit report dated January 20, 1995 on the
consolidated financial statements of First American Corporation and subsidiaries
as of December 31, 1994 and 1993, and for each of the years in the three-year
period ended December 31, 1994 incorporated herein by reference and the
reference to our firm under the heading "Experts" in this Registration Statement
on Form S-4. Our report dated January 20, 1995 contains an explanatory paragraph
that refers to changes in accounting principles related to the adoption in 1993
of the provisions of the Financial Accounting Standards Board's Statements of
Financial Accounting Standards No. 109, Accounting for Income Taxes; No. 106,
Employers' Accounting for Postretirement Benefits Other Than Pensions; No. 112,
Employers' Accounting for Postemployment Benefits; and No. 115, Accounting for
Certain Investments in Debt and Equity Securities.
 
                                          /s/ KPMG Peat Marwick LLP
 
Nashville, Tennessee
October 25, 1995