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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 1,407,733 shares of its common stock and to the
incorporation by reference therein of our report dated June 11, 1998, with
respect to the supplemental consolidated financial statements of F.N.B.
Corporation and subsidiaries included in its current report on Form 8-K dated
July 6, 1998, and our report dated March 31, 1998, with respect to the
consolidated financial statements of F.N.B. Corporation and subsidiaries
included in its current report on Form 8-K dated April 3, 1998, filed with the
Securities and Exchange Commission.

Ernst & Young, LLP

Pittsburgh, Pennsylvania
July 6, 1998