EXHIBIT 99.1
                           CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                 SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of F.N.B. Corporation (the "Company") on
Form 10-K for the year ended December 31, 2002 as filed with the Securities and
Exchange Commission on the date hereof (the "Report"), the undersigned, Gary L.
Tice, President and Chief Executive Officer of the Company, and Thomas E. Fahey,
Executive Vice President and Chief Financial Officer do hereby certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that to the best of our knowledge:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of
the Securities Exchange Act of 1934; and (2) The information contained in the
Report fairly presents, in all material respects, the financial condition and
results of operations of the Company.

By: /s/Gary L. Tice
    -----------------------------------------------------
    Gary L. Tice President and Chief Executive Officer
    March 17, 2003


    /s/Thomas E. Fahey
    -----------------------------------------------------
    Thomas E. Fahey
    Executive Vice President and
      Chief Financial Officer
    March 17, 2003