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                                                                 EXHIBIT 23.2


            CONSENT OF HILL, BARTH & KING, INC., INDEPENDENT AUDITORS



     We consent to the incorporation by reference in the registration statements
of F.N.B. Corporation on Forms S-3 (Registration Nos. 333-31909 and 333-35637)
and Forms S-8 (Registration Nos. 333-00943, 33-78114, 33-78134, 333-03489,
333-03493, 333-03495, 333-03503, 333-01997, 333-22909 and 333-42333) and to the
use in this Annual Report of F.N.B. Corporation on Form 10-K of our report dated
January 22, 1997 relating to the consolidated financial statements of Southwest
Banks, Inc. which have been incorporated into the Audited Consolidated Financial
Statements for the years ended December 31, 1996 and 1995 appearing elsewhere in
this Annual Report.




                                             /s/ Hill, Barth & King, Inc.
                                             Certified Public Accountants


         Naples, Florida
         March 13, 1998