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                                                             EXHIBIT 23.3





                      CONSENT OF INDEPENDENT ACCOUNTANTS



We consent to the incorporation by reference in this registration statement on
Form S-4 of our reports dated January 24, 1997 and January 19, 1996 included as
Exhibits 99.3 and 99.4, respectively, to F.N.B. Corporation's Form 8-K filed
July 22, 1997, with respect to our audits of the consolidated financial
statements of West Coast Bancorp, Inc. for the years ended December 31, 1996
and 1995 and the year ended December 31, 1994, respectively.  We also consent
to the reference to our firm under the caption "Experts."





COOPERS & LYBRAND L.L.P.

Fort Myers, Florida
July 28, 1997