EXHIBIT 99.1


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of F.N.B. Corporation Progressive Savings
Plan (the "Plan")on Form 11-K for the year ended December 31, 2002 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
the undersigned, Gary L. Tice, President and Chief Executive Officer of the
Company, and Thomas E. Fahey, Executive Vice President and Chief Financial
Officer do hereby certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of
our knowledge:

         (1) The Report fully complies with the requirements of section
             13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
             material respects, the financial condition and results of
             operations of the Plan.

By:      /s/Gary L. Tice
         -----------------------------------------------------
         Gary L. Tice
         President and Chief Executive Officer
         June 30, 2003



         /s/Thomas E. Fahey
         -----------------------------------------------------
         Thomas E. Fahey
         Executive Vice President and
           Chief Financial Officer
         June 30, 2003