EXHIBIT 23.2


                  CONSENT OF BOBBITT, 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-3 and related prospectus of F.N.B. Corporation
for the registration of an indeterminate number of shares of Common Stock and
Preferred Stock, an indeterminate principal amount of Debt Securities, an
indeterminate number of Trust Preferred Securities, a Guarantee with respect to
the Trust Preferred Securities, and an indeterminate number of Warrants, as
shall have an aggregate initial offering price not to exceed $200,000,000 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 for the year ended
December 31, 2000, filed with the Securities and Exchange Commission.

/s/ Bobbitt, Pittenger & Company, P.A.



BOBBITT, PITTENGER & COMPANY, P.A.
Sarasota, Florida
December 18, 2001