FNB FINANCIAL SERVICES CORP
S-8, EX-23.2, 2000-07-31
NATIONAL COMMERCIAL BANKS
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<PAGE>   1

                                  EXHIBIT 23.2

                      Consent of PricewaterhouseCoopers LLP


         We hereby consent to the incorporation by reference in this
registration statement on Form S-8 of our report dated February 4, 2000,
relating to the financial statements of FNB Financial Services Corporation,
which report appears in the Annual Report on Form 10-K for the year ended
December 31, 1999.


/s/ PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP
Raleigh, North Carolina
July 31, 2000


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