1
                                                                    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 on our audits of 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, 1997 by
reference in the Current Report on Form 8-K dated July 6, 1998.




                                   HILL, BARTH & KING, INC.
                                   Certified Public Accountants



Naples, Florida
July 6, 1998