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Exhibit 23.1
CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS
We consent to the reference to our firm under the caption "Experts" in
the Registration Statement (Form S-8) pertaining to the F.N.B. Corporation 1998
Directors' Stock Option Plan and to the incorporation by reference therein of
our report dated January 31, 2000 with respect to the consolidated financial
statements of F.N.B. Corporation and subsidiaries incorporated by reference in
its Annual Report on Form 10-K for the year ended December 31, 1999, filed with
the Securities and Exchange Commission.
/s/ ERNST & YOUNG LLP
Pittsburgh, Pennsylvania
May 30, 2000
