Consent of Independent Certified Public Accountants                 Exhibit 23.2






We  hereby  consent  to the  incorporation  by  reference  in this  Registration
Statement on Form S-3 of our report,  dated  January 19, 2000,  which appears in
the Annual Report on Form 10-K of First National  Corporation and subsidiary for
the year ended  December 31, 1999.  We also consent to the reference to our Firm
under the caption "Experts" in the aforementioned Registration Statement.



/s/ Yount, Hyde & Barbour, P.C.

Winchester, Virginia
April 4, 2000