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                                  EXHIBIT 23.4

                       Consent of McGladrey & Pullen, LLP



         We hereby consent to the incorporation by reference in this
registration statement on Form S-8 of FNB Financial Services Corporation of our
report, dated January 22, 1999, relating to the financial statements of Black
Diamond Savings Bank, F.S.B. for the year ended December 31, 1997, which report
is included in the December 31, 1999 annual report on Form 10-K of FNB Financial
Services Corporation.


/s/ McGladrey & Pullen, LLP

McGladrey & Pullen, LLP
Charlotte, North Carolina
July 28, 2000

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