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                                                                    EXHIBIT 23.3



PRICEWATERHOUSECOOPERS [LOGO]









CONSENT OF INDEPENDENT ACCOUNTANTS


We consent to the incorporation by reference in the Registration Statement of
F.N.B. Corporation on Form S-4 pertaining to the merger of F.N.B. Corporation
and Citizens Holding Corporation, of our report dated January 24, 1997,
included as Exhibit 99.3 to F.N.B. Corporation's consolidated financial
statements included in its current report on Form 8-K filed April 3, 1998, and
the supplemental consolidated financial statements included in its current
report on Form 8-K filed July 6, 1998, with respect to our audits of the
consolidated financial statements of West Coast Bancorp, Inc. for the years
ended December 31, 1996 and 1995.  We also consent to the reference of our Firm
under the caption "Experts."



/s/ PricewaterhouseCoopers LLP

Tampa, Florida
July 7, 1998