FNB CORP \VA\, S-4, EX-23.2, 2000-09-22

FNB CORP \VA\
S-4, EX-23.2, 2000-09-22
NATIONAL COMMERCIAL BANKS

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                                                                    Exhibit 23.2



              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS


We consent to the incorporation by reference in this registration statement on
Form S-4 of our report dated January 31, 2000 on our audits of the consolidated
financial statements of FNB Corporation and subsidiaries as of December 31, 1999
and 1998, and for the years ended December 31, 1999, 1998, and 1997. We also
consent to the reference to our firm under the caption "Experts" in this
registration statement on Form S-4.



                                        MCLEOD & COMPANY



Roanoke, Virginia
September 21, 2000