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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
401(k) 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
