Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
GURGOVITS STEPHEN J
   2. Issuer Name and Ticker or Trading Symbol
FNB CORP/FL/ [FNB] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
President and CEO
(Last)
(First)
(Middle)
591 BUHL BOULEVARD		 3. Date of Earliest Transaction (Month/Day/Year)
01/20/2003
(Street)

SHARON, PA 16146		 4. If Amendment, Date Original Filed(Month/Day/Year)
02/17/2004		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock               13,313 (1) D (2)  
Common Stock               4,925.087 (3) D  
Common Stock               9,201.967 (4) D  
Common Stock               8,006 (5) I By Wife
Common Stock               444 (5) I By Wife
Common Stock               294 (5) D  
Common Stock               15,886.366 (6) I By Trust (Deferred Plan)
Common Stock 01/24/2003(7)   A   627.5649 A $ 26.952 2,183.9724 I By Trust (401K Plan)
Common Stock 01/24/2003(7)   A   530.6479 A (8) 4,307.3236 I By Trust (401K Plan)
Common Stock               543 (5) D  
Common Stock 12/31/2003(9)   J V 74.846 D (9) 0 (9) I Custodian for Daughter

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Granted 01/20/1995) $ 9.51               (10) 01/20/2005 Common Stock 10,854   10,854 D  
Stock Options (Granted 01/30/1996) $ 14.47               (10) 01/30/2006 Common Stock 20,680   20,680 D  
Stock Options (Granted 01/26/1997) $ 16.88               (10) 01/26/2007 Common Stock 18,126   18,126 D  
Stock Options (Granted 01/18/1998) $ 25.98               (10) 01/18/2008 Common Stock 16,743   16,743 D  
Stock Options (Granted 01/24/1999) $ 20.03               (11) 01/24/2009 Common Stock 40,995   40,995 D  
Stock Options (Granted 04/29/1999) $ 18.85             04/30/2000 04/29/2009 Common Stock 428   428 (12) D  
Stock Options (Granted 01/23/2000) $ 19.26               (11) 01/23/2010 Common Stock 43,880   43,880 (12) D  
Stock Options (Granted 01/23/2000) $ 19.26             01/24/2001 01/23/2010 Common Stock 1,401   1,401 (12) D  
Stock Options (Granted 01/22/2001) $ 19.68               (11) 01/22/2011 Common Stock 45,097   45,097 (12) D  
Stock Options (Granted 01/22/2001) $ 19.68             01/23/2002 01/22/2011 Common Stock 1,546   1,546 (12) D  
Stock Options (Granted 01/20/2002) $ 24.4               (11) 01/20/2012 Common Stock 27,664   27,664 (12) D  
Stock Options (Granted 01/20/2002) $ 24.4             01/21/2003 01/20/2012 Common Stock 1,332   1,332 (12) D  
Stock Options (Granted 01/20/2003) $ 25.92               (11) 01/20/2013 Common Stock 27,079   27,079 (12) D  
Stock Options (Granted 01/20/2003) $ 25.92             01/21/2004 01/20/2013 Common Stock 2,299   2,299 (12) D  
Common Stock Equivelant (13) $ 35.45               (14)   (15) Common Stock 4,372.8437   4,372.8437 (16) I Interest in Plan

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
GURGOVITS STEPHEN J
591 BUHL BOULEVARD
SHARON, PA 16146		   X     President and CEO  

Signatures

 /s/ Stephen J. Gurgovits   01/26/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Includes 633.000 shares acquired due to a 5% stock dividend on 05/30/2003.
(2) Shares held jointly with spouse.
(3) Includes 230.158 shares acquired due to a 5% stock dividend on 05/30/2003 and 91.779 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
(4) Includes 428.742 shares acquired due to a 5% stock dividend on 05/30/2003 and 198.388 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
(5) Includes shares acquired due to a 5% stock dividend on 05/30/2003.
(6) Includes 740.184 shares acquired due to a 5% stock dividend on 05/30/2003 and 342.499 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
(7) Transaction under exempt 401(k) Plan during 2003.
(8) Represents employer matching contributions pursuant to exempt 401(k) Plan.
(9) Reporting person previously reported stock owned by child residing in the same household. Child no longer resides in same household; therefore, stock owned by child is no longer reportable.
(10) Options are fully vested and are available for immediate exercise.
(11) Options vest over a five year period, 20% each year on anniversary of grant date.
(12) Reflects change in exercise price and number of shares obtainable upon exercise due to a 5% stock dividend on 05/30/2003.
(13) Represents credit under supplemental retirement plan for employer matching stock contributions which reporting person was prevented from receiving under exempt 401(k) Plan.
(14) Upon entitlement to amounts under 401(k) Plan.
(15) Not applicable; represents credit under supplemental retirement plan for employer matching stock contribution which reporting person was prevented from receiving under exempt 401(k) plan.
(16) Includes shares acquired as the result of a 5% stock dividend on 05/30/2003 and shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
 
Remarks:
Amend Statement of holdings as of 12/31/2003.

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