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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, contained in First American
Corporation's 1994 Annual Report on Form 10-K incorporated herein by reference,
and to the use of our audit report dated December 4, 1995 on the supplemental
consolidated financial statements of First American Corporation as of December
31, 1994 and 1993, and for each of the years in the three-year period ended
December 31, 1994, contained in First American Corporation's Current Report on
Form 8-K dated December 6, 1995 incorporated herein by reference.  The
supplemental consolidated financial statements give retroactive effect to First
American Corporation's merger with Heritage Federal Bancshares, Inc. effective
November 1, 1995.  Our reports dated January 20, 1995 and December 4, 1995 each
contain 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, Employer's Accounting for
Postemployment Benefits; and No. 115, Accounting for Certain Investments in
Debt and Equity Securities.  We also consent to the reference to our firm under
the heading "Experts" in this Registration Statement on Form S-4.


                                KPMG Peat Marwick LLP

Nashville, Tennessee
January 25, 1996