EXHIBIT 32.2

                      Statement of Chief Financial Officer
         Pursuant to Section 1350 of Title 18 of the United States Code

         Pursuant to Section 1350 of Title 18 of the United States Code, I,
Brian F. Lilly, Chief Financial Officer of F.N.B. Corporation (the "Company"),
hereby certify that, to the best of my knowledge:

         1. The Company's Form 10-K Annual Report for the period ended December
31, 2003 (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.

Date: March 10, 2004                              /s/ Brian F. Lilly,
                                                  -----------------------------
                                                  Chief Financial Officer