FNB FINANCIAL SERVICES CORP
11-K, EX-23.2, 2000-07-13
NATIONAL COMMERCIAL BANKS
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                       CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 (No. 333-29679) of FNB Financial Services Corporation of
our report dated June 30, 2000 relating to the financial statements of FNB
Financial Services Corporation Employees' Savings Plus and Profit Sharing Plan,
which appears in this Form 11-K.



PricewaterhouseCoopers LLP

Raleigh, North Carolina
July 12, 2000


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