MARATHON FINANCIAL CORP
S-4, EX-23, 2000-07-20
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 23.4



                       CONSENT OF MCKINNON & COMPANY, INC.

                                  July 19, 2000

         We consent to the inclusion in the  Registration  Statement on Form S-4
of our opinion to the Board of Directors of Marathon  Financial  Corporation  as
set  forth  in the  Joint  Proxy  Statement/Prospectus,  which  is  part  of the
Registration  Statement,  and to the  reference  made to such opinion and to our
firm in the Joint Proxy Statement/Prospectus.

                                        /s/ McKinnon & Company, Inc.

Norfolk, Virginia




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