Exhibit 23.1


            Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 333-38372) pertaining to the F.N.B. Corporation Progress Savings 401(k)
Plan of our report dated June 17, 2004, with respect to the financial statements
and schedules of the F.N.B. Corporation Progress Savings 401(k) Plan included in
this Annual Report (Form 11-K) for the year ended December 31, 2003.

/s/Ernst & Young LLP

Pittsburgh, Pennsylvania
June 23, 2004