F&M NATIONAL CORP, S-4, EX-23, 2000-10-27

F&M NATIONAL CORP
S-4, EX-23, 2000-10-27
NATIONAL COMMERCIAL BANKS

Previous: F&M NATIONAL CORP, S-4, EX-23, 2000-10-27

Next: F&M NATIONAL CORP, S-4, EX-23, 2000-10-27



<PAGE>

                                                                    Exhibit 23.3
                                                                    ------------




                      CONSENT OF INDEPENDENT ACCOUNTANTS



We consent to the use in this Registration Statement of our report, dated
January 29, 1999, on the consolidated financial statements of Community
Bankshares of Maryland, Inc. as of December 31, 1998 and for the year then
ended. We also consent to the reference made to us under the caption "Experts"
in the Proxy Statement/Prospectus constituting a part of this Registration
Statement.

STOY, MALONE & COMPANY, P.C.


Bethesda, Maryland
October 27, 2000