EXHIBIT 99.1

                                  CERTIFICATION
            PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
        (SUBSECTIONS (a) AND (b) OF SECTION 1350, CHAPTER 63 OF TITLE 18,
                               UNITED STATES CODE)

     Pursuant to section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a)
and (b) of section 1350, chapter 63 of title 18, United States Code), each of
the undersigned officers of FNB Corp., a North Carolina corporation (the
"Corporation"), does hereby certify that:

     The Quarterly Report on Form 10-Q for the quarter ended March 31, 2003 (the
"Form 10-Q") of the Corporation fully complies with the requirements of section
13(a) or 15(d) of the Securities Exchange Act of 1934 and information contained
in the Form 10-Q fairly presents, in all materials respects, the financial
condition and results of operations of the Corporation.

Date: May 12, 2003                          /s/ Michael C. Miller
                                            ------------------------------------
                                                Michael C. Miller
                                                Chief Executive Officer

Date: May 12, 2003                          /s/ Jerry A. Little
                                            ------------------------------------
                                                Jerry A. Little
                                                Chief Financial Officer

     The foregoing certification is being furnished solely pursuant to section
906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of section 1350,
chapter 63 of title 18, United States Code) and is not being filed as part of
the Form 10-Q or as a separate disclosure document.