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EXHIBIT 23.5--CONSENT OF PROFESSIONAL BANK SERVICES

                          CONSENT OF INVESTMENT BANKER

We consent to the inclusion of our fairness opinion letter addressed to the
Board of Directors of F&M Bancorp and the references to and summary of our
fairness opinion analysis in the Proxy Statement, which is part of the
Registration Statement, and to the inclusion of our report of our fairness
opinion analysis as an exhibit to the Registration Statement.

                                                PROFESSIONAL BANK SERVICES, INC.

                                                By:_____________________________
                                                    Christopher L. Hargrove
                                                    Vice President
 
Louisville, Kentucky
December 22, 1995
