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                                                                    EXHIBIT 23.3


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 Guaranty Bank & Trust Company, 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 July 6, 1998, and 
the supplemental consolidated financial statements included in its current 
report on Form 8-K filed October 29, 1998, with respect to our audits of the 
consolidated financial statements of West Coast Bancorp, Inc. as of December 
31, 1996 and 1995, and for the years ended December 31, 1996 and 1995. We also 
consent to the reference to our Firm under the caption "Experts."


/s/ PricewaterhouseCoopers LLP

Tampa, Florida
November 9, 1998