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                                                                   EXHIBIT 99(b)

P R O X Y                   FIRSTBANCORPORATION, INC.
               PROXY SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
                     FOR 1999 ANNUAL MEETING OF SHAREHOLDERS

         The board of directors of FirstBancorporation, Inc., with full power of
substitution, is hereby appointed as agent(s) of the undersigned to vote as
proxies all of the shares of Common Stock of FirstBancorporation, Inc. held of
record by the undersigned on the record date for the annual meeting of
shareholders to be held on July 20, 1999, and at any adjournment thereof, as
follows:

         1.       APPROVAL OF MERGER WITH FIRSTBANCORPORATION, INC.:

         Approval of the merger agreement, dated as of May 4, 1999, between
First National Corporation and FirstBancorporation, Inc. and related plan of
merger, providing for the merger of FirstBancorporation with and into First
National, with each share of common stock of FirstBancorporation then
outstanding to be converted into the right to receive 1.222 shares of common
stock of First National, plus cash in lieu of fractional shares, all as
described in more detail in the accompanying joint proxy statement/prospectus. A
copy of the merger agreement and plan of merger are attached to the joint proxy
statement/prospectus as Appendices A and B, respectively.

             [  ] FOR           [  ] AGAINST         [  ] ABSTAIN


         2.       ELECTION OF DIRECTORS

         [  ] FOR all nominees listed        [  ] WITHHOLD AUTHORITY to vote for
              below (except any I have            all nominees listed below
              written below)

       Laurance H. Davis, Jr., Jerry H. Reeves, III, Carson R. Rentz and
                                 Thomas E. Suggs

INSTRUCTION:     To withhold authority to vote for any individual(s), write the
                 nominee's(s') name(s) on the line below.

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         3.       And, in the discretion of said agents, upon such other
business as may properly come before the meeting, and matters incidental to the
conduct of the meeting.

         THE PROXIES WILL BE VOTED AS INSTRUCTED. IF NO CHOICE IS INDICATED WITH
RESPECT TO A MATTER WHERE A CHOICE IS PROVIDED, THIS PROXY WILL BE VOTED "FOR"
SUCH MATTER.

         Please sign exactly as name appears below. When signing as attorney,
executor, administrator, trustee, or guardian, please give full title. If more
than one trustee, all should sign. All joint owners must sign.

                                    Dated:  ______________________________, 1999

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