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                                                                    EXHIBIT 99.1


                            WEST COAST BANCORP, INC.

                Special Meeting of Shareholders, April 15, 1997

          THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

         The undersigned holder of Common Shares of West Coast Bancorp, Inc.
("West Coast"), a corporation organized under the laws of the state of Florida,
does hereby appoint Thomas R. Cronin, Sr. and Michael P. Geml, and each of
them, as due and lawful attorneys-in-fact (each of whom shall have full power
of substitution), to represent and vote as designated below all of the West
Coast Common Shares that the undersigned held of record at 5:00 p.m., Eastern
Standard Time, on February 28, 1997, at the Special Meeting of Shareholders of
West Coast, to be held in the lobby of the First National Bank of Southwest
Florida headquarters at 2724 Del Prado Boulevard South, Cape Coral, Florida
33904, on April 15, 1997 at 5:00 p.m. or any adjournment thereof, on the
following matters, and on such other business as may properly come before the
meeting:

(1)      APPROVAL OF ACQUISITION PROPOSAL

         Proposal to approve and adopt the Agreement and Plan of Merger dated
         November 15, 1996, as amended on February 28, 1997, among F.N.B.
         Corporation, Southwest Banks, Inc. and West Coast as described in the
         accompanying Proxy Statement-Prospectus dated March 7, 1997.

  [ ]      FOR              [ ]     AGAINST                   [ ]     ABSTAIN

(2)      In their discretion, on such other business as may properly come
         before the meeting.

                     (Please Sign and Date on Reverse Side)

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                          (Continued from other side)

                                        PLEASE SIGN AND RETURN PROMPTLY.


THIS PROXY WHEN PROPERLY EXECUTED WILL BE VOTED IN THE MANNER DIRECTED HEREIN
BY THE SHAREHOLDER.  IF NO DIRECTION IS GIVEN, THIS PROXY WILL BE VOTED FOR THE
APPROVAL OF THE ACQUISITION PROPOSAL.

PLEASE ENTER THE NUMBER OF WEST COAST COMMON SHARES YOU OWN: ________________

(Please sign, date, and return this proxy form exactly as your name or names
appear below whether or not you plan to attend the meeting).


                                
                             [ ]   I plan to attend the Special Meeting.
                             [ ]   I do not plan to attend the Special Meeting.
                                   
                                   Date:                                       , 1997
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                                   Signature(s):                                      
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                                           Title or Authority (if applicable)
                                   
                                   PLEASE SIGN YOUR NAME HERE EXACTLY AS IT APPEARS
                                   HEREON.  JOINT OWNERS SHOULD EACH SIGN.  WHEN
                                   SIGNING AS AN ATTORNEY, EXECUTOR, ADMINISTRATOR,
                                   TRUSTEE, GUARDIAN, CORPORATE OFFICER OR OTHER
                                   SIMILAR CAPACITY, SO INDICATE.  IF THE OWNER IS A
                                   CORPORATION, AN AUTHORIZED OFFICER SHOULD SIGN FOR
                                   THE CORPORATION AND STATE HIS TITLE.  THIS PROXY
                                   SHALL BE DEEMED VALID FOR ALL SHARES HELD IN ALL
                                   CAPACITIES THAT THEY ARE HLD BY THE SIGNATORY.