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                                                                    EXHIBIT 23.2

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

         We hereby consent to the inclusion in the Registration Statement on
Form S-4 of First Farmers and Merchants Corporation, of our report on the
statements of financial condition of Farmers & Merchants Bank of White Bluff as
of December 31, 1997, 1996, and 1995, and the related statements of income,
shareholders' equity, and cash flows for the years then ended. We also consent
to the reference to us under the heading "Experts" in the Proxy
Statement/Prospectus.



                                                   /s/  MARLIN & EDMONDSON, P.C.

Nashville, Tennessee

December 17, 1998