FNB CORP \VA\, S-4/A, EX-23.2, 2001-01-09

FNB CORP \VA\
S-4/A, EX-23.2, 2001-01-09
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 Amendment No. 1 to the
registration statement on Form S-4 (Registration No. 333-46460) 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 Amendment No. 1 to the
registration statement on Form S-4.



                                         /s/ MCLEOD & COMPANY



Roanoke, Virginia
January 8, 2001