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                                                                    EXHIBIT 23.2


                 CONSENT OF BOBBITT, PITTENGER & COMPANY, P.A.,
                              INDEPENDENT AUDITORS

       We consent to the incorporation by reference in this Registration
Statement on Form S-8 of F.N.B. Corporation ("FNB") for the registration of the
issuance of 3,000,000 shares of the common stock of FNB pursuant to FNB's 2001
Incentive Plan of our report dated April 23, 1999 on our audits of the financial
statements of Guaranty Bank & Trust included as an exhibit in FNB's Annual
Report on Form 10-K dated March 20, 2001, filed with the Securities and Exchange
Commission.


/s/ BOBBIT, PITTENGER & COMPANY, P.A.


BOBBIT, PITTENGER & COMPANY, P.A
Sarasota, Florida
June 11, 2001