EXHIBIT 99.1


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of F.N.B. Corporation (the "Company") on
Form 10-Q for the quarterly period ended June 30, 2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), the
undersigned, Gary L. Tice, President and Chief Executive Officer of the Company,
and Thomas E. Fahey, Executive Vice President and Chief Financial Officer do
hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of our
knowledge:

         (1) The Report fully complies with the requirements of section
             13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
             material respects, the financial condition and results of
             operations of the Company.

By:      /s/Gary L. Tice
         -----------------------------------------------------
         Gary L. Tice
         President and Chief Executive Officer
         August 14, 2002



         /s/Thomas E. Fahey
         -----------------------------------------------------
         Thomas E. Fahey
         Executive Vice President and
           Chief Financial Officer
         August 14, 2002