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                                                                    EXHIBIT 23.2

                 CONSENT OF BOBBITT, PITTENGER & COMPANY, P.A.,
                              INDEPENDENT AUDITORS


         We consent to the reference to our firm under the caption "Experts" in
the Registration Statement on Form S-4 and related prospectus of F.N.B.
Corporation for the registration of 2,218,593 shares of its common stock and to
the incorporation by reference therein of our report dated April 23, 1999 on our
audits of the financial statements of Guaranty Bank & Trust included as an
exhibit in F.N.B. Corporation's Annual Report on Form 10-K dated March 14, 2000,
filed with the Securities and Exchange Commission.


/s/ Bobbitt, Pittenger & Company, P.A.

BOBBITT, PITTENGER & COMPANY, P.A.
Sarasota, Florida
February 2, 2001