1
                                                                      Exhibit 23



                        CONSENT OF 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 the
Registration Statement (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 23, 1998, 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, 1998.


                                                   ERNST & YOUNG LLP

Pittsburgh, Pennsylvania
September 23, 1999


                                      C-1