1
                                  Exhibit 23.2

                   CONSENT OF AUSTIN FINANCIAL SERVICES, INC.

   2

                  CONSENT OF AUSTIN FINANCIAL SERVICES, INC.
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We hereby consent to the use of our firm's name in the Form S-4 Registration
Statement of Farmers National Banc Corp. relating to the registration of shares
of Farmers National Banc Corp. common stock to be issued in connection with the
proposed acquisition of Security Financial Corp. We also consent to the
inclusion of our opinion letter as Annex C to the proxy statement-prospectus
included as part of the Form S-4 Registration Statement, and to the references
to our opinion included in the proxy statement-prospectus.




/s/ Austin Financial Services, Inc.
September 15, 2000