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, the 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-Q Quarterly Report for the period ended
                  June 30, 2004 (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: AUGUST 9, 2004                         /s/ BRIAN F. LILLY
                                             -----------------------------------
                                             Brian F. Lilly
                                             Chief Financial Officer

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