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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 700,000 shares of its common stock and to the
incorporation by reference therein of our report dated January 31, 1997, 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, 1996, 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; and our report dated
July 3, 1997 with respect to the supplemental consolidated financial statements
of F.N.B. Corporation included in its Current Report on Form 8-K dated July 22,
1997 filed with the Securities and Exchange Commission.

                                             ERNST & YOUNG LLP


Pittsburgh, Pennsylvania
July 25, 1997