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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

FORM 4

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

o Check this box if no longer
subject to Section 16.
Form 4 or Form 5
obligations may continue.
See Instruction 1(b)

1.	Name and Address of Reporting Person* (Last, First, Middle)	2.	Issuer Name and Ticker or Trading Symbol				3.	I.R.S. Identification Number of Reporting Person, if an entity (Voluntary)
	Reichert, Robert T.		F.N.B. Corporation (FBAN)					###-##-####
	1075 Camelot Circle	4.	Statement for (Month/Day/Year)				5.	If Amendment, Date of Original (Month/Day/Year)
			01/20/2003
	(Street)	6.	Relationship of Reporting Person(s) to Issuer (Check All Applicable)				7.	Individual or Joint/Group Filing (Check Applicable Line)
	Naples, FL 34119-1363 (City)                (State)           (Zip)		o	Director	o	10% Owner		x	Form filed by One Reporting Person
			x	Officer (give title below)				o	Form filed by More than One Reporting Person
			o	Other (specify below)
				Executive Vice President

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 4(b)(v).

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 Transactions(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

724.390

D

COMMON

1312.8491

I

BY TRUST (401K PLAN)

COMMON

283.2465

I

BY TRUST (401K PLAN)

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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)
										Code	V		(A)	(D)
	STOCK OPTIONS (GRANTED 01/26/1997)			17.72		(1)
	STOCK OPTIONS (GRANTED 01/18/1998)			27.28		(1)
	STOCK OPTIONS (GRANTED 01/24/1999)			21.03		(1)
	STOCK OPTIONS (GRANTED 01/23/2000)			20.22		(1)
	STOCK OPTIONS (GRANTED 01/22/2001)			20.66		(1)
	STOCK OPTIONS (GRANTED 01/20/2002)			25.62		(1)
	STOCK OPTIONS (GRANTED 01/20/2003)			27.22		01/20/2003				A			6429
	COMMON STOCK EQUIVALENT (3)

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Table II — Derivative Securities Acquired, Disposed of, or Beneficially Owned — Continued (e.g., puts, calls, warrants, options, convertible securities)
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)
	Date Exercisable	Expiration Date		Title	Amount or Number of Shares
	IMMED	01/26/2007		COMMON STOCK	846					846		D
	IMMED	01/18/2008		COMMON STOCK	2946					2946		D
	(2)	01/24/2009		COMMON STOCK	4491					4491		D
	(2)	01/23/2010		COMMON STOCK	4821					4821		D
	(2)	01/22/2011		COMMON STOCK	5807					5807		D
	(2)	01/20/2012		COMMON STOCK	6318					6318		D
	(2)	01/20/2013		COMMON STOCK	6429					6429		D
	(4)			COMMON STOCK	46					46		I		INTEREST IN PLAN

Explanation of Responses:

(1) No activity since date of last report; included solely to represent current beneficial ownership.

(2) Options vest over a five year period, 20% each year on anniversary of grant date.

(3) Represents credit under supplemental retirement plan for employer matching stock contributions which reporting person was prevented from receiving under exempt 401(k) Plan.

(4) Upon entitlement to amounts under 401(k) Plan.

/s/ Robert T. Reichert	01/23/2003
**Signature of Reporting Person	Date

**	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.

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