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                                                                    Exhibit 23.2



            CONSENT OF HILL, BARTH & KING, INC., INDEPENDENT AUDITORS

We consent to the reference to our firm under the caption "Experts" in this
         Registration Statement and related Prospectus of F.N.B. Corporation on
         Form S-4 and to the incorporation by reference therein of our report
         dated January 22, 1997 relating to the consolidated financial
         statements of Southwest Banks, Inc. which have been incorporated into
         the consolidated financial statements of F.N.B. Corporation and
         Subsidiaries for the year ended December 31, 1996 by reference in the
         Current Report on Form 8-K dated July 22, 1997.





                                                    HILL, BARTH & KING, INC.
                                                    Certified Public Accountants

Naples, Florida
November 11, 1997