EXHIBIT 12

F.N.B. Corporation and Subsidiaries
Computation of Ratio of Earnings to Fixed Charges
Dollars in thousands

	For the Three Months
	Ended March 31				Year Ended December 31
	2005		2004		2004		2003		2002		2001		2000
Earnings:
Income from continuing operations before income taxes	$	21,657	$	23,741	$	89,332	$	36,004	$	44,999	$	42,683	$	58,802
Fixed charges, excluding interest on deposits		9,599		7,713		33,523		31,313		27,461		25,821		23,165
Subtotal		31,256		31,454		122,855		67,317		72,460		68,504		81,967
Interest on deposits		14,312		12,427		52,400		57,710		72,978		111,096		115,377
Total	$	45,568	$	43,881	$	175,255	$	125,027	$	145,438	$	179,600	$	197,344
Fixed charges:
Interest on borrowed funds	$	9,178	$	7,344	$	31,990	$	29,280	$	25,394	$	23,888	$	21,398
Interest component of rental expense		421		369		1,533		2,033		2,067		1,933		1,767
Subtotal		9,599		7,713		33,523		31,313		27,461		25,821		23,165
Interest on deposits		14,312		12,427		52,400		57,710		72,978		111,096		115,377
Total	$	23,911	$	20,140	$	85,923	$	89,023	$	100,439	$	136,917	$	138,542
Ratio of earnings to fixed charges:
Excluding interest on deposits		3.26x		4.08x		3.66x		2.15x		2.64x		2.65x		3.54x
Including interest on deposits		1.91x		2.18x		2.04x		1.40x		1.45x		1.31x		1.42x