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                                                                    EXHIBIT 23.1






              CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-4) and related Prospectus of F.N.B. Corporation
for the registration of 1,367,193 shares of its common stock and to the
incorporation by reference therein of our report dated February 5, 1996, with
respect to the consolidated financial statements of F.N.B. Corporation
incorporated by reference in its Annual Report on Form 10-K for the year ended
December 31, 1995 and our report dated February 28, 1997 with respect to the
supplemental consolidated financial statements of F.N.B. Corporation included
in its Current Report on Form 8-K dated March 5, 1997, filed with the
Securities and Exchange Commission.


                                ERNST & YOUNG LLP


Pittsburgh, Pennsylvania
March 3, 1997