1
                                                                    EXHIBIT 23.2

                              ACCOUNTANTS' CONSENT


The Board of Directors
First American Corporation:


We consent to the use of our audit report dated February 13, 1998 on the
consolidated financial statements of CSB Financial Corporation and subsidiaries
as of December 31, 1997 and 1996, and for each of the years in the three-year
period ended December 31, 1997, contained in this Registration Statement and to
the reference to our firm under the heading "Experts" in the Prospectus/Proxy
Statement.


                                /s/ Maggart & Associates, P.C.


Nashville, Tennessee
August 18, 1998