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                                                                    EXHIBIT 23.2




                  CONSENT OF BOBBIT, PITTENGER & COMPANY, P.A.
                              INDEPENDENT AUDITORS

We consent to the reference to our firm under the caption "Experts" in the
Registration Statement on Form S-4 and related prospectus of F.N.B. Corporation
for the registration of 16,500,000 shares of its common stock and to the
incorporation by reference therein of our report dated April 23, 1999 on our
audits of the financial statements of Guaranty Bank & Trust included as an
exhibit in F.N.B. Corporation's Annual Report on Form 10-K dated March 20, 2001,
filed with the Securities and Exchange Commission.

/s/ BOBBIT, PITTENGER & COMPANY, P.A.
Sarasota, Florida
July 31, 2001