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                                                                    EXHIBIT 23.2
 
                         INDEPENDENT AUDITORS' CONSENT
 
     We consent to the use in this Registration Statement of F.N.B. Corporation
on Form S-4 of our report dated January 19, 1996, except for Note I, as to which
the date is February 2, 1996, relating to the financial statements of Southwest
Banks, Inc. appearing elsewhere in this Registration Statement.
 
     We also consent to the reference to us under the headings "Selected
Financial Data" and "Experts" in such Registration Statement.
 
                                          HILL, BARTH & KING, INC.
                                          Certified Public Accountants
 
HILL, BARTH & KING, INC.
Naples, Florida
 
March 25, 1996