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 Quarterly Report of F.N.B. Corporation (the "Company") on
Form 10-Q for the quarterly period ended March 31, 2003 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
       May 15, 2003

       /s/ Thomas E. Fahey
       -------------------
       Thomas E. Fahey
       Executive Vice President and
       Chief Financial Officer
       May 15, 2003