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
            September 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: November 9, 2004                         /s/Brian F. Lilly
                                               ---------------------------------
                                               Brian F. Lilly
                                               Chief Financial Officer

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