SEC FORM 3

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

ROBERTS GARY

(Last)

(First)

(Middle)

1139 WISHART PLACE

(Street)

HERMITAGE

16148

(City)

(State)

(Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
03/16/2005

3. Issuer Name and Ticker or Trading Symbol
FNB CORP/FL/ [ FNB ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	President & CEO FNB of PA

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	43.4321	D
Common Stock	11.008	D
Common Stock⁽¹⁾	9,396.6818	D
Common Stock	5,347.3088	I	By Trust (401k Plan)
Common Stock	1,822.6171⁽²⁾	I	By Trust (401k Plan)
Common Stock⁽¹⁾	7,500	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Stock Options (Granted 01/18/1998)	⁽³⁾	01/18/2008	Common Stock	11,242	$13.78	D
Stock Options (Granted 01/24/1999)	⁽³⁾	01/24/2009	Common Stock	19,178	$10.62	D
Stock Options (Granted 01/23/2000)	⁽³⁾	01/23/2010	Common Stock	21,049	$10.21	D
Stock Options (Granted 01/22/2001)	⁽⁴⁾	01/22/2011	Common Stock	21,556	$10.44	D
Stock Options (Granted 01/20/2002)	⁽⁴⁾	01/20/2012	Common Stock	12,846	$12.94	D
Stock Options (Granted 01/20/2003)	⁽⁴⁾	01/20/2013	Common Stock	20,875	$13.75	D
Common Stock Equivelant⁽⁵⁾	⁽⁶⁾	⁽⁷⁾	Common Stock	873.8824	$20.48	I	Interest in Plan

Explanation of Responses:

1. Award of stock pursuant to the F.N.B. Corporation 2001 Incentive Plan. Vests 50% on third anniversary of grant date and 50% to vest on the fourth anniversary of the grant date, with the second 50% being subject to the satisfaction of certain performance criteria.

2. Represents employer matching contributions pursuant to exempt 401(k) Plan.

3. Options are fully vested and are available for immediate exercise.

4. Options vest over a five year period, 20% each year on the anniversary of grant date.

5. Represents credit under a supplemental retirement plan for employer matching stock contributions which reporting person receives upon retirement.

6. Upon entitlement to amounts under exempt 401(k) Plan.

7. 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.

Remarks:

	/s/ Gary Roberts	03/21/2005
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.