EXHIBIT 23.5
     We hereby consent to the use of our proposed written opinion letter 
to the Board of Directors of Bank South Corporation included as Appendix B to
the Proxy Statement/Prospectus which forms a part of the Registration Statement
on Form S-4 relating to the proposed merger of Bank South Corporation with and
into NationsBank Corporation and to the references to such opinion and to our
oral opinion provided to the Bank South Corporation Board of Directors in such 
Proxy Statement/Prospectus. In giving such consent, we do not admit and we 
hereby disclaim that we come within the category of persons whose consent is 
required under Section 7 of the Securities Act of 1933, as amended, or the 
rules and regulations of the Securities and Exchange Commission thereunder, 
nor do we thereby admit that we are experts with respect to any part of such 
Registration Statement within the meaning of the term "experts" as used in the 
Securities Act of 1933, as amended, or the rules and regulations of the 
Securities and Exchange Commission thereunder.
                                         MERRILL LYNCH, PIERCE, FENNER & SMITH
                                                INCORPORATED
                                         By /s/ Michael Barry
                                          DIRECTOR
                                          INVESTMENT BANKING GROUP
October 11, 1995