Exhibit 23.1


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

         We consent to the reference to our firm under the caption "Experts" in
Amendment No. 1 to the Registration Statement (Form S-4 No. 333-116526) and
related Prospectus of F.N.B. Corporation for the registration of 4,250,000
shares of its common stock and to the incorporation by reference therein of our
report dated February 24, 2004, with respect to the consolidated financial
statements of F.N.B. Corporation, included in its Annual Report (Form 10-K) for
the year ended December 31, 2003, filed with the Securities and Exchange
Commission.

ERNST & YOUNG LLP

July 19, 2004


Pittsburgh, Pennsylvania