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 and related Prospectus of F.N.B. Corporation
for the registration of $175,000,000 Subordinated Notes and to the incorporation
by reference therein of our report dated February 8, 2003 with respect to the
consolidated financial statements of F.N.B. Corporation included in its Annual
Report on Form 10-K dated March 18, 2003 filed with the Securities and Exchange
Commission.


                                             /s/ Ernst & Young LLP


Birmingham, Alabama
March 17, 2003