1 EXHIBIT 23.5 November 9, 1998 The financial statements of Guaranty Bank & Trust Company reflecting its financial condition for the years ended December 31, 1997 and 1996, and our report dated January 13, 1998, may be included in F.N.B. Corporation's Form S-4. We also consent to Bobbitt, Pittenger & Company, P.A. being named experts in accounting and auditing. /s/ Bobbitt, Pittenger & Company, P.A. Certified Public Accountants