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                                                                     EXHIBIT 23

               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement
(Form S-8 No. 33-26173) pertaining to the 1987 Stock Option Plan and (Form S-8
No. 33-98812) pertaining to the 1993 Key Employee Stock Compensation Program
and the 1993 Directors' Stock Option Plan of Parkvale Financial Corporation of
our report dated July 18, 1996, with respect to the consolidated financial
statements of Parkvale Financial Corporation incorporated by reference in the 
Annual Report (Form 10-K) for the year ended June 30, 1996.

                                                    /s/ ERNST & YOUNG LLP


Pittsburgh, Pennsylvania
September 17, 1996

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