424B2 1 rfc33338370.txt RATE CHANGE August 28, 2002 Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 RE: Filing of Prospectus Supplement Pursuant to Rule 424; Registration #333-38370 Gentlemen: Pursuant to the provisions of Rule 424(b)2 of the Rules and Regulations under the Securities Act of 1933, as amended, we enclose for filing the following copy of the Prospectus Supplement dated September 1, 2002, with respect to the above Registration Statement. In accordance with Rule 424(c), only the Prospectus Supplement is being filed because it will be attached to a form of Prospectus that previously has been filed. The Prospectus Supplement includes a cross reference on the cover thereof to the date of the related Prospectus. Very truly yours, F.N.B. Corporation /s/Thomas E. Fahey Thomas E. Fahey Executive Vice President and Chief Financial Officer TEF/dg Misc\misc\01\TEFsecexchVI Enclosures PROSPECTUS SUPPLEMENT (To Prospectus Dated June 13, 2000) F.N.B. CORPORATION $250,000,000 OF SUBORDINATED TERM NOTES AND DAILY NOTES The following interest rates are applicable effective September 1, 2002: ANNUAL INTEREST RATE ------------- Subordinated Daily Notes 3.50% Subordinated Special Daily Notes (1): n/a Subordinated Term Notes 3 Month 4.10% 6 Month 4.20% 9 Month 4.28% 12 Month 4.33% 15 Month n/a 18 Month 4.52% 21 Month n/a 24 Month 4.67% 27 Month n/a 30 Month 4.72% 36 Month 4.76% 48 Month 4.81% 60 Month 5.25% 84 Month 5.50% 120 Month 5.75% (1) FNB has discontinued the offer and sale of Special Daily Notes. The Company intends to use the net proceeds from the sale of notes as advances to its consumer finance subsidiary, Regency Finance Company, to fund Regency's lending and purchasing activities and for general corporate purposes of the Company, including mergers and acquisitions. This Prospectus Supplement is dated September 1, 2002 CH\RATES\SECDRA4 djs 27-Aug-02