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                                  Exhibit 23.5

                         CONSENT OF SR SNODGRASS, A.C.
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                      CONSENT OF INDEPENDENT ACCOUNTANTS


We consent to the incorporation by reference in this registration statement on
Form S-4 concerning the merger of Security Financial Corporation into Farmers
National Banc Corp. of our report, dated January 22, 1999, on our audits of the
consolidated financial statements of Security Financial Corporation and
affiliates as of December 31, 1998 and for each of the two years in the period
ended December 31, 1998. We also consent to the reference to our firm under the
caption "Experts."



/s/ S.R. Snodgrass, A.C.

Wexford, Pennsylvania
September 15, 2000