Exhibit 23.1

               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 333-40648) pertaining to the F.N.B. Corporation Salary Savings Plan of
our report dated June 20, 2001, with respect to the financial statements and
schedules of the F.N.B. Corporation Salary Savings Plan included in this Annual
Report (Form 10-K/A) for the year ended December 31, 2000.


                                                      /s/Ernst & Young LLP

Birmingham, Alabama
June 25, 2001