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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 754,898 shares of its common stock, to the
incorporation by reference therein of our report dated July 3, 1997 with
respect to the 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 and to the use of our report dated October
17, 1997 with respect to the financial statements of West Coast Bank, as of and
for the year ended December 31, 1996 included therein.


                                   ERNST & YOUNG LLP


Pittsburgh, Pennsylvania
November 10, 1997