1

                                                                    EXHIBIT 99.1

                                 WEST COAST BANK


         THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS FOR USE AT
THE SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON DECEMBER ___, 1997 AT _____
P.M., EASTERN STANDARD TIME.

         The undersigned hereby appoints ___________________ and
__________________, and each of them, attorneys and proxies with full power to
each of substitution, to vote in the name of and as proxy for the undersigned at
the Special Meeting of Shareholders of West Coast Bank (the "Bank") to be held
on ____________, December ___, 1997 at _____ p.m. at
__________________________________________________________________, and at any
adjournment thereof, according to the number of votes that the undersigned would
be entitled to cast if personally present.

(1)      To consider and vote on a proposal to approve and adopt the Agreement
         and Plan of Merger, dated as of August 13, 1997 and amended as of
         October 16, 1997(the "Merger Agreement"), among F.N.B. Corporation
         ("FNB"), Southwest Banks, Inc., a wholly owned subsidiary of FNB
         ("Southwest") and the Bank. The Merger Agreement provides for the
         merger of the Bank with and into Southwest Interim Bank No. 3, a state
         banking corporation to be organized under the laws of the State of
         Florida and to become a wholly owned subsidiary of FNB. Upon
         consummation of the Merger, except as described in the Proxy
         Statement-Prospectus, each issued and outstanding share of the Bank's
         common stock, par value $2.00 per share ("West Coast Common Stock")
         will be converted into and exchanged for the right to receive the
         number of shares of FNB common stock, par value $2.00 per share ("FNB
         Common Stock") obtained by dividing $33.96 by the average of the
         closing bid and asked price per share of FNB Common Stock for a
         specified period prior to Closing (the "FNB Average Price") (the
         "Exchange Ratio"), unless (i) the FNB Average Price is equal to or less
         than $30.875, in which case the Exchange Ratio shall be 1.1 shares of
         FNB Common Stock for each share of West Coast Common Stock, or (ii) the
         FNB Average Price is equal to or greater than $34.00, in which case the
         Exchange Ratio shall be one (1) share of FNB Common Stock for each
         share of West Coast Common Stock. The complete text of the Merger
         Agreement is attached to the Proxy Statement as Appendix "A."

                  [ ] FOR         [ ] AGAINST         [ ] ABSTAIN

(2)      To transact such other business as may properly be brought before the
         meeting or any adjournment thereof.



   2


PROPERLY EXECUTED PROXIES WILL BE VOTED IN THE MANNER DIRECTED HEREIN BY THE
UNDERSIGNED. IF NO SUCH DIRECTIONS ARE GIVEN, SUCH PROXIES WILL BE VOTED FOR THE
PROPOSITION REFERRED TO IN PARAGRAPH (1).





                                    -------------------------------------------
                                                      Signature


                                    -------------------------------------------
                                                      Signature


                                    Date:_______________________________, 1997
                                    (When signing as attorney, executor,
                                    administrator, trustee or guardian, please
                                    give title as such. If shareholder is a
                                    corporation, corporate name should be signed
                                    by an authorized officer and the corporate
                                    seal affixed. For joint accounts, each joint
                                    owner should sign.)





PLEASE SIGN, DATE AND MAIL THIS PROXY PROMPTLY IN THE ENCLOSED REPLY ENVELOPE
WHICH REQUIRES NO POSTAGE IF MAILED IN THE UNITED STATES.