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                                                                     Exhibit 23

               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

Regarding:

 1.  Registration Statement on Form S-3 relating to the F.N.B. Corporation 
     Subordinated Notes and Daily Cash Accounts (File #33-61367).

 2.  Registration Statement on Form S-3 relating to the Dividend Reinvestment 
     Plan (File #33-72532).
 
 3.  Registration Statement on Form S-8 relating to the F.N.B. Corporation 
     Voluntary Dividend Reinvestment and Stock Purchase Plan (File #333-00943).

 4.  Registration Statement on Form S-8 relating to the F.N.B. Corporation 
     401(K) Plan (File #33-50780).

 5.  Registration Statement on Form S-8 relating to F.N.B. Corporation 1990 
     Stock Option Plan (File #33-78114).

 6.  Registration Statement on Form S-8 relating to F.N.B. Corporation 
     Restricted Stock Bonus Plan (File #33-78134). 
 
 7.  Post-Effective Amendment No. 1 to the Registration Statement on Form S-3 
     relating to the F.N.B. Corporation Voluntary Dividend Reinvestment and 
     Stock Purchase Plan (File #33-72532).

 8.  Registration Statement on Form S-8 relating to F.N.B. Corporation 1996 
     Stock Option Plan (File #333-03489).
   
 9.  Registration Statement on Form S-8 relating to F.N.B. Corporation 
     Restricted Stock and Incentive Bonus Plan (File #333-03493).

10.  Registration Statement on Form S-8 relating to F.N.B. Corporation 
     Directors Plan (File #333-03495).

11.  Registration Statement on Form S-8 relating to the F.N.B. Corporation 
     401(K) Plan (File #333-03503).

12.  Post-Effective Amendment No. 1 to the Registration Statement on Form S-8 
     to Registration Statement on Form S-4 (File #333-01997).

We consent to the incorporation by reference in the above listed Registration 
Statements of our report dated January 31, 1997, with respect to the 
consolidated financial statements of F.N.B. Corporation and subsidiaries 
incorporated by reference in this Annual Report (Form 10-K) for the year ended 
December 31, 1996.

                                             ERNST & YOUNG LLP

Pittsburgh, Pennsylvania
March 18, 1997