EXHIBIT 23.2


               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

We consent to the reference to our firm under the caption "Experts" in the
Registration Statement on Form S-3 (No. 333-     ) and related Prospectus of
F.N.B. Corporation for the registration of 2,000,000 shares of its common stock
and to the incorporation by reference therein of our report dated May 6, 2002
with respect to the consolidated financial statements of F.N.B. Corporation
included in its Current Report on Form 8-K dated July 24, 2002 filed with the
Securities and Exchange Commission.

/s/ Ernst & Young LLP


Birmingham, Alabama
July 24, 2002