Exhibit 23.1


                          Independent Auditors' Consent

The Board of Directors
FNB Corp.

     We consent to the use of our report  dated March 7, 2003,  with  respect to
the consolidated balance sheets of FNB Corp. and subsidiaries as of December 31,
2002 and 2001, and the related consolidated statements of income,  shareholders'
equity  and  comprehensive  income,  and cash flows for each of the years in the
three-year period ended December 31, 2002, incorporated by reference herein.


/s/ KPMG LLP
Greenville, SC
October 3, 2003