F.N.B. CORPORATION 8-K

Exhibit 99.1

F.N.B. CORPORATION REPORTS FOURTH QUARTER
AND FULL YEAR 2007 EARNINGS

Hermitage, PA — January 17, 2008 — F.N.B. Corporation (NYSE: FNB), a diversified financial services company, today reported financial results for the fourth quarter and full year of 2007. Fourth quarter 2007 net income was $17.1 million, or $0.28 per diluted share, compared to $17.6 million, or $0.29 per diluted share, for both the third quarter of 2007 and the fourth quarter of 2006. The Corporation’s return on average tangible equity for the fourth quarter of 2007 was a strong 25.0%, its return on average equity was 12.5%, its return on average tangible assets was 1.21% and its return on average assets was 1.11%.

For the full year ended December 31, 2007, the Corporation posted net income of $69.7 million, a 3.0% increase, compared to $67.6 million for the full year ended December 31, 2006. On a per share basis, full year 2007 earnings were $1.15 per diluted share, an increase from $1.14 per diluted share for the full year ended December 31, 2006. The Corporation’s return on average tangible equity for the full year ended December 31, 2007, was a strong 26.2%, its return on average equity was 12.9%, its return on average tangible assets was 1.25% and its return on average assets was 1.15%.

Stephen J. Gurgovits, Chairman and Chief Executive Officer of F.N.B. Corporation, commented, “We are pleased with the full year earnings growth and continued strong profitability, having avoided the current industry challenges related to sub-prime lending and risky investment securities. Our business model continues to benefit from our focus on prudently growing our loan portfolio, managing our net interest margin, emphasizing recurring fee income and controlling our operating and credit costs.”

Mr. Gurgovits continued, “We are cautiously optimistic about our operations in 2008. We have noticeable bright spots including the closing of our pending acquisition of Omega Financial Corporation, about which we are thrilled, and the additional depth to our management team with the addition of Bob New.”

Fourth Quarter 2007 Results

Total average loans increased 2.1% annualized compared to the third quarter of 2007 and 3.0% compared to the same period of 2006. Commercial loans led the growth, increasing 5.9% annualized over the third quarter of 2007, and were partially offset by seasonally lower balances of direct installment and indirect auto loans. The increase in average loans coupled with increased balances of investment securities resulted in a 3.0% annualized increase in average earning assets compared to the prior quarter.

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F.N.B. Corporation Page 2 of 6

The growth in earning assets provided a 2.2% annualized increase in fully taxable equivalent (FTE) net interest income compared to the third quarter of 2007. The Corporation’s net interest margin for the fourth quarter of 2007 declined 1 basis point to 3.72% compared to the third quarter of 2007.

Average balances of savings and NOW accounts, which increased 6.2% for the fourth quarter of 2007 compared to the same quarter of 2006, continue to provide evidence of the growth in the Corporation’s banking relationships. The decline in average balances of non-interest bearing deposits for the fourth quarter of 2007, compared to the prior quarter, was due to seasonality. In total, the decline in average balances of non-interest bearing deposits and time deposits was partially offset by growth in treasury management accounts, resulting in a 0.9% annualized decline in average deposits and treasury management balances compared to the third quarter of 2007.

Non-interest income increased $1.0 million, or 19.2% annualized, compared to the prior quarter. This strong growth was led by increases in wealth management, mortgage originations and banking service fees. Additionally, other non-interest income for the prior quarter included a $0.5 million loss on the sale of a building acquired in a prior merger.

When compared to the fourth quarter of 2006, total non-interest income increased $1.3 million, or 6.9%, reflecting the strong performance of the above-mentioned fee revenue items and swap fees earned from commercial customers, partially offset by negative pricing trends for insurance policy renewals and the absence of gains on the sale of securities. Total non-interest income represented 29% of net revenue for the fourth quarter of 2007.

The seasonal decline in personnel expense, which was due to lower end of the year payroll tax expense and year-end revisions to accruals for incentive compensation and medical benefit costs, helped non-interest expense decline 6.4% annualized from the prior quarter to $40.6 million for the fourth quarter of 2007. Positive operating leverage was achieved as evidenced by the improvement in the efficiency ratio to 55.5% from 57.4% in the prior quarter and 56.2% in the same quarter of last year.

The Corporation’s income tax expense for the fourth quarter of 2007 increased $1.0 million compared to the prior quarter. This increase was primarily due to the inclusion, in the prior quarter, of a net benefit from the successful resolution of a previously uncertain tax position.

During the quarter, the Corporation took action with respect to two loans to one Florida developer, which influenced its credit metrics. For one project, an $853 thousand charge-off was recorded, which had been specifically reserved for in the third quarter. This project was moved to other real estate owned. A second project, with a balance of $8.2 million, was moved to non-accruing status with a specific reserve of $2.0 million established. At quarter end, these two projects comprised $9.9 million of the $40.7 million in non-performing assets.

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Including the previously mentioned charge-off, annualized net loan charge-offs for the fourth quarter of 2007 were 41 basis points of average loans, representing an increase from historically low levels of 27 basis points in the third quarter of 2007 and 28 basis points in the fourth quarter of 2006. The ratio of non-performing assets to total assets was 67 basis points at December 31, 2007, representing an increase from historically low levels of 49 basis points in the third quarter of 2007 and 57 basis points in the fourth quarter of 2006. The one previously mentioned relationship represented 16 basis points of total assets at December 31, 2007.

The $5.2 million loan loss provision for the fourth quarter of 2007 reflects the previously mentioned specific reserve. At December 31, 2007, the allowance for loan losses was 1.22% of total loans, representing a 2 basis point increase from the third quarter of 2007 and 1.6 times total non-performing loans.

Full Year 2007 Results

Net interest income, on an FTE basis, for the full year of 2007 was 3.5% higher than the same period of last year, reflecting growth in average loans of 6.0% and growth in average deposits and treasury management balances of 4.5%. Additionally, the Corporation’s net interest margin for the full year of 2007 increased 2 basis points to 3.73%, when compared to the full year of 2006.

Non-interest income for the full year of 2007 increased 2.9% to $81.6 million from $79.3 million during the same period of 2006. Non-interest income was 29% of net revenue for the full year of 2007.

Non-interest expense for the full year of 2007 was $165.6 million, a 3.2% increase compared to $160.5 million for the same period of 2006. The efficiency ratio improved slightly to 57.4% for the full year of 2007 from 57.5% for the full year of 2006.

Capital Position

Shareholders’ equity at December 31, 2007, was $544.4 million, or $8.99 per common share. Tangible book value was $4.67 per common share at the end of the fourth quarter of 2007. The Corporation’s leverage and tangible capital ratios were 7.47% and 4.85%, respectively, at December 31, 2007. The Corporation’s capital ratios continue to exceed federal bank regulatory agency “well capitalized” thresholds.

Other Highlights

On November 9, 2007, F.N.B. Corporation and Omega Financial Corporation (NASDAQ: OMEF) jointly announced the signing of a definitive merger agreement pursuant to which F.N.B. Corporation will acquire Omega Financial Corporation, a State College, Pennsylvania-

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based provider of diversified financial services, in an all-stock transaction. The combination of the two organizations will create the fifth largest bank holding company based in Pennsylvania with approximately $8 billion in total assets and over 210 full service branches serving commercial and consumer customers in 35 counties in Pennsylvania and Northeast Ohio.

Conference Call

Management will host a quarterly conference call to discuss results for the fourth quarter of 2007, tomorrow, Friday, January 18, 2008, at 11:00 AM Eastern Time. Hosting the call will be Stephen J. Gurgovits, Chairman and Chief Executive Officer, and Brian F. Lilly, Chief Financial Officer. The call can be accessed via the telephone by dialing (888) 713-3595 or (913) 312-1422 for international callers; the confirmation number is 8087554.

A replay of the call will be available from 2:00 PM Eastern Time on January 18, 2008 until midnight Eastern Time on February 1, 2008. The replay can be accessed by dialing (888) 203-1112 or (719) 457-0820 for international callers; the confirmation number is 8087554. A transcript of the call will be posted to the Shareholder and Investor Relations section of F.N.B. Corporation’s Web site at www.fnbcorporation.com.

About F.N.B. Corporation

F.N.B. Corporation, headquartered in Hermitage, PA, is a diversified financial services company with total assets of $6.1 billion at December 31, 2007. F.N.B. is a leading provider of commercial and retail banking, wealth management, insurance, merchant banking and consumer finance services in Pennsylvania and Ohio, where it owns and operates First National Bank of Pennsylvania, First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, F.N.B. Capital Corporation, LLC and Regency Finance Company. It also operates consumer finance offices in Tennessee and loan production offices in Pennsylvania, Tennessee and Florida.

Mergent Inc., a leading provider of business and financial information about publicly traded companies, has recognized F.N.B. Corporation as a Dividend Achiever. This annual recognition is based on the Corporation’s outstanding record of increased dividend performance. The Corporation has consistently increased dividend payments for 35 consecutive years.

The common stock of F.N.B. Corporation trades on the New York Stock Exchange under the symbol “FNB”. Investor information is available on F.N.B. Corporation’s Web site at www.fnbcorporation.com.

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Forward-looking Statements

This press release of F.N.B. Corporation and the reports F.N.B. Corporation files with the Securities and Exchange Commission often contain “forward-looking statements” relating to present or future trends or factors affecting the banking industry and, specifically, the financial operations, markets and products of F.N.B. Corporation. These forward-looking statements involve certain risks and uncertainties. There are a number of important factors that could cause F.N.B. Corporation’s future results to differ materially from historical performance or projected performance. These factors include, but are not limited to: (1) a significant increase in competitive pressures among financial institutions; (2) changes in the interest rate environment that may reduce interest margins; (3) changes in prepayment speeds, loan sale volumes, charge-offs and loan loss provisions; (4) less favorable than expected general economic conditions; (5) legislative or regulatory changes that may adversely affect the businesses in which F.N.B. Corporation is engaged; (6) technological issues which may adversely affect F.N.B. Corporation’s financial operations or customers; (7) changes in the securities markets; or (8) risk factors mentioned in the reports and registration statements F.N.B. Corporation files with the Securities and Exchange Commission. F.N.B. Corporation undertakes no obligation to release revisions to these forward-looking statements or to reflect events or circumstances after the date of this press release.

Additional Information about the Merger with Omega Financial Corporation

SHAREHOLDERS OF F.N.B. AND OMEGA ARE ADVISED TO READ THE JOINT PROXY STATEMENT/PROSPECTUS WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION.

The joint proxy statement/prospectus and other relevant materials and any other documents filed by F.N.B. with the SEC, may be obtained free of charge at the SEC’s Web site at www.sec.gov. In addition, investors and security holders may obtain free copies of the documents filed with the SEC by F.N.B. Corporation by contacting James Orie, F.N.B. Corporation, One F.N.B. Boulevard, Hermitage, PA 16148, telephone: (724) 983-3317 and by Omega by contacting Daniel Warfel, CFO, Omega Financial Corporation, 366 Walker Drive, P.O. Box 298, State College, PA 16804-0298, telephone: (814) 231-5778.

F.N.B. and its directors, executive officers and other members of its management and employees may be deemed to be participants in the solicitation of proxies from its shareholders in connection with the proposed merger. Information concerning such participants’ ownership of F.N.B. common stock is set forth in F.N.B.’s proxy statements and Annual Reports on Form 10-K, previously filed with the SEC. Additional information about the interests of those participants may be obtained from reading the joint proxy statement/prospectus relating to the merger when it becomes available.

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Omega and its directors, executive officers and other members of its management and employees may be deemed to be participants in the solicitation of proxies from its shareholders in connection with the proposed merger. Information concerning such participants’ ownership of Omega common stock is set forth in Omega’s proxy statements and Annual Reports on Form 10-K, previously filed with the SEC. Additional information about the interests of those participants may be obtained from reading the joint proxy statement/prospectus relating to the merger when it becomes available.

This communication does not constitute an offer of any securities for sale.

# # #

Analyst/Institutional Investor Contact:
Bartley Parker, CFA 203-682-8250
bartley.parker@icrinc.com

Media Contact:
Jennifer Reel 724-983-4856
724-699-6389 (cell)

DATA SHEETS FOLLOW

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)


	2007						2006			Percent Variance
	Fourth			Third			Fourth			4th Qtr 2007 -		4th Qtr 2007 -
	Quarter			Quarter			Quarter			3rd Qtr 2007		4th Qtr 2006
Statement of earnings
Interest income	$	92,834		$	93,949		$	90,760			-1.2		2.3
Interest expense		43,424			44,791			42,802			-3.1		1.5

Net interest income		49,410			49,158			47,958			0.5		3.0
Taxable equivalent adjustment		1,202			1,169			1,036			2.8		16.1

Net interest income (FTE)		50,612			50,327			48,994			0.6		3.3
Provision for loan losses		5,232			3,776			2,529			38.6		106.9

Net interest income after provision (FTE)		45,380			46,551			46,465			-2.5		-2.3

Service charges		10,711			10,286			9,940			4.1		7.7
Insurance commissions and fees		3,044			3,301			3,237			-7.8		-6.0
Securities commissions and fees		1,805			1,595			1,287			13.1		40.2
Trust income		2,188			2,109			2,064			3.7		6.0
Gain (loss) on sale of securities		0			(7	)		405			-102.2		-100.0
Gain on sale of loans		534			455			444			17.5		20.3
Other		2,354			1,943			1,919			21.1		22.7

Total non-interest income		20,636			19,682			19,296			4.8		6.9

Salaries and employee benefits		21,448			22,030			20,199			-2.6		6.2
Occupancy and equipment		6,741			6,867			7,244			-1.8		-6.9
Amortization of intangibles		1,101			1,099			1,008			0.1		9.2
Other		11,328			11,282			10,944			0.4		3.5
Total non-interest expense		40,618			41,278			39,395			-1.6		3.1

Income before income taxes		25,398			24,955			26,366			1.8		-3.7
Taxable equivalent adjustment		1,202			1,169			1,036			2.8		16.1
Income taxes		7,134			6,162			7,737			15.8		-7.8

Net income	$	17,062		$	17,624		$	17,593			-3.2		-3.0


Earnings per share
Basic	$	0.28		$	0.29		$	0.29			-3.4		-3.4
Diluted	$	0.28		$	0.29		$	0.29			-3.4		-3.4

Performance ratios
Return on average equity		12.45	%		12.96	%		12.88	%
Return on tangible equity (1)		25.04	%		26.31	%		26.10	%
Return on average assets		1.11	%		1.15	%		1.16	%
Return on tangible assets (2)		1.21	%		1.25	%		1.25	%
Net interest margin (FTE)		3.72	%		3.73	%		3.67	%
Yield on earning assets (FTE)		6.90	%		7.03	%		6.84	%
Cost of funds		3.54	%		3.68	%		3.55	%
Efficiency ratio (FTE) (3)		55.46	%		57.39	%		56.21	%

Common stock data
Average basic shares outstanding		60,155,781			60,154,574			60,027,643			0.0		0.2
Average diluted shares outstanding		60,622,494			60,640,486			60,626,455			0.0		0.0
Ending shares outstanding		60,554,248			60,555,834			60,394,279			0.0		0.3
Book value per common share	$	8.99		$	8.94		$	8.90			0.5		1.0
Tangible book value per common share	$	4.67		$	4.61		$	4.49			1.4		4.1
Dividend payout ratio		85.17	%		82.47	%		80.65	%

(1)		Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.

(2)		Return on tangible assets is calculated by dividing net income less amortization of intangibles by average assets less average intangibles.

(3)		The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus non-interest income.

(4)		Treasury management accounts are included in short-term borrowings on the balance sheet.

(5)		Certain prior period amounts have been reclassified to conform to the current period presentation.

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands, except per share data)


	For the Year
	Ended December 31,						Percent
	2007			2006			Variance
Statement of earnings
Interest income	$	368,890		$	342,422			7.7
Interest expense		174,053			153,585			13.3

Net interest income		194,837			188,837			3.2
Taxable equivalent adjustment		4,658			3,934			18.4

Net interest income (FTE)		199,495			192,771			3.5
Provision for loan losses		12,693			10,412			21.9

Net interest income after provision (FTE)		186,802			182,359			2.4

Service charges		40,827			40,053			1.9
Insurance commissions and fees		13,994			13,988			0.0
Securities commissions and fees		6,326			4,871			29.9
Trust income		8,577			7,780			10.2
Gain (loss) on sale of securities		1,037			1,802			-42.5
Gain on sale of loans		1,715			1,607			6.7
Other		9,133			9,174			-0.4

Total non-interest income		81,609			79,275			2.9

Salaries and employee benefits		87,219			83,649			4.3
Occupancy and equipment		27,737			27,563			0.6
Amortization of intangibles		4,406			4,148			6.2
Other		46,252			45,154			2.4

Total non-interest expense		165,614			160,514			3.2

Income before income taxes		102,797			101,120			1.7
Taxable equivalent adjustment		4,658			3,934			18.4
Income taxes		28,461			29,537			-3.6

Net income	$	69,678		$	67,649			3.0


Earnings per share
Basic	$	1.16		$	1.15			0.9
Diluted	$	1.15		$	1.14			0.9

Performance ratios
Return on average equity		12.89	%		13.15	%
Return on tangible equity (1)		26.23	%		26.30	%
Return on average assets		1.15	%		1.15	%
Return on tangible assets (2)		1.25	%		1.25	%
Net interest margin (FTE)		3.73	%		3.71	%
Yield on earning assets (FTE)		6.97	%		6.67	%
Cost of funds		3.61	%		3.29	%
Efficiency ratio (FTE) (3)		57.35	%		57.48	%

Common stock data
Average basic shares outstanding		60,135,859			58,852,623			2.2
Average diluted shares outstanding		60,629,065			59,376,648			2.1
Ending shares outstanding		60,554,248			60,394,279			0.3
Book value per common share	$	8.99		$	8.90			1.0
Tangible book value per common share	$	4.67		$	4.49			4.1
Dividend payout ratio		82.45	%		81.84	%

(1)		Return on tangible equity is calculated by dividing net income less amortization of intangibles by average equity less average intangibles.

(2)		Return on tangible assets is calculated by dividing net income less amortization of intangibles by average assets less average intangibles.

(3)		The efficiency ratio is calculated by dividing non-interest expense less amortization of intangibles by the sum of net interest income on a fully taxable equivalent basis plus non-interest income.

(4)		Treasury management accounts are included in short-term borrowings on the balance sheet.

(5)		Certain prior period amounts have been reclassified to conform to the current period presentation.

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)


	2007						2006			Percent Variance
	Fourth			Third			Fourth			4th Qtr 2007 -		4th Qtr 2007 -
	Quarter			Quarter			Quarter			3rd Qtr 2007		4th Qtr 2006
Average balances
Total assets	$	6,109,593		$	6,078,664		$	6,040,889			0.5		1.1
Earning assets		5,418,770			5,377,543			5,325,077			0.8		1.8
Securities		1,053,081			1,030,999			1,072,857			2.1		-1.8
Loans, net of unearned income		4,363,982			4,341,123			4,238,382			0.5		3.0
Allowance for loan losses		52,729			51,670			53,494			2.1		-1.4
Goodwill and intangibles		262,077			263,184			264,442			-0.4		-0.9

Deposits and treasury management accounts (4)		4,706,626			4,717,121			4,621,942			-0.2		1.8
Other short-term borrowings		170,884			160,162			127,142			6.7		34.4
Long-term debt		462,787			437,945			527,892			5.7		-12.3
Trust preferred securities		151,031			151,031			151,031			0.0		0.0
Shareholders’ equity		543,743			539,698			541,782			0.7		0.4

Asset quality data
Non-accrual loans	$	29,211		$	21,346		$	24,636			36.8		18.6
Restructured loans		3,468			3,470			3,492			-0.1		-0.7

Non-performing loans		32,679			24,816			28,128			31.7		16.2
Other real estate owned		8,052			5,358			5,948			50.3		35.4

Non-performing assets	$	40,731		$	30,174		$	34,076			35.0		19.5


Net loan charge-offs	$	4,548		$	2,905		$	3,007			56.6		51.2
Allowance for loan losses		52,806			52,122			52,575			1.3		0.4

Non-performing loans / total loans		0.75	%		0.57	%		0.66	%
Non-performing assets / total assets		0.67	%		0.49	%		0.57	%
Allowance for loan losses / total loans		1.22	%		1.20	%		1.24	%
Allowance for loan losses / non-performing loans		161.59	%		210.03	%		186.91	%
Net loan charge-offs (annualized) / average loans		0.41	%		0.27	%		0.28	%

Balances at period end
Total assets	$	6,088,021		$	6,124,174		$	6,007,592			-0.6		1.3
Earning assets		5,376,328			5,404,247			5,292,930			-0.5		1.6
Securities		1,025,974			1,035,959			1,034,358			-1.0		-0.8
Loans, net of unearned income		4,344,235			4,358,604			4,253,144			-0.3		2.1
Goodwill and intangibles		261,559			262,663			266,337			-0.4		-1.8

Deposits and treasury management accounts (4)		4,674,236			4,738,340			4,624,906			-1.4		1.1
Other short-term borrowings		173,271			197,032			111,846			-12.1		54.9
Long-term debt		481,366			433,691			519,890			11.0		-7.4
Trust preferred securities		151,031			151,031			151,031			0.0		0.0
Shareholders’ equity		544,357			541,593			537,372			0.5		1.3

Capital ratios
Equity/assets (period end)		8.94	%		8.84	%		8.94	%
Leverage ratio		7.47	%		7.43	%		7.28	%
Tangible equity/tangible assets (period end)		4.85	%		4.76	%		4.72	%

F.N.B.CORPORATION
(Unaudited)
(Dollars in thousands)


	For the Year
	Ended December 31,						Percent
	2007			2006			Variance
Average balances
Total assets	$	6,055,384		$	5,889,925			2.8
Earning assets		5,356,711			5,196,076			3.1
Securities		1,039,536			1,111,391			-6.5
Loans, net of unearned income		4,305,158			4,059,936			6.0
Allowance for loan losses		52,346			52,758			-0.8
Goodwill and intangibles		263,861			246,884			6.9

Deposits and treasury management accounts (4)		4,676,568			4,476,423			4.5
Other short-term borrowings		147,439			145,063			1.6
Long-term debt		467,047			542,208			-13.9
Trust preferred securities		151,031			142,286			6.1
Shareholders’ equity		540,469			514,363			5.1

Asset quality data
Non-accrual loans	$	29,211		$	24,636			18.6
Restructured loans		3,468			3,492			-0.7

Non-performing loans		32,679			28,128			16.2
Other real estate owned		8,052			5,948			35.4

Non-performing assets	$	40,731		$	34,076			19.5


Net loan charge-offs	$	12,483		$	11,578			7.8
Allowance for loan losses		52,806			52,575			0.4
Non-performing loans / total loans		0.75	%		0.66	%
Non-performing assets / total assets		0.67	%		0.57	%
Allowance for loan losses / total loans		1.22	%		1.24	%
Allowance for loan losses / non-performing loans		161.59	%		186.91	%
Net loan charge-offs (annualized) / average loans		0.29	%		0.29	%

Balances at period end
Total assets	$	6,088,021		$	6,007,592			1.3
Earning assets		5,376,328			5,292,930			1.6
Securities		1,025,974			1,034,358			-0.8
Loans, net of unearned income		4,344,235			4,253,144			2.1
Goodwill and intangibles		261,559			266,337			-1.8

Deposits and treasury management accounts (4)		4,674,236			4,624,906			1.1
Other short-term borrowings		173,271			111,846			54.9
Long-term debt		481,366			519,890			-7.4
Trust preferred securities		151,031			151,031			0.0
Shareholders’ equity		544,357			537,372			1.3

Capital ratios
Equity/assets (period end)		8.94	%		8.94	%
Leverage ratio		7.47	%		7.28	%
Tangible equity/tangible assets (period end)		4.85	%		4.72	%

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)


	2007				2006		Percent Variance
	Fourth		Third		Fourth		4th Qtr 2007 -		4th Qtr 2007 -
	Quarter		Quarter		Quarter		3rd Qtr 2007		4th Qtr 2006
Average balances
Loans:
Commercial	$	2,241,272	$	2,208,612	$	2,067,673		1.5		8.4
Direct installment		945,539		947,158		931,290		-0.2		1.5
Consumer LOC		247,913		244,975		255,806		1.2		-3.1
Residential mortgages		475,346		480,702		499,777		-1.1		-4.9
Indirect installment		432,477		440,686		466,986		-1.9		-7.4
Other		21,435		18,990		16,850		12.9		27.2

Total loans	$	4,363,982	$	4,341,123	$	4,238,382		0.5		3.0


Deposits:
Non-interest bearing deposits	$	628,766	$	642,197	$	646,844		-2.1		-2.8
Savings and NOW		2,066,390		2,065,469		1,946,040		0.0		6.2
Certificates of deposit and other time deposits		1,725,646		1,739,083		1,782,184		-0.8		-3.2

Total deposits		4,420,802		4,446,749		4,375,068		-0.6		1.0
Treasury management accounts (4)		285,824		270,372		246,874		5.7		15.8

Total deposits and treasury management accounts (4)	$	4,706,626	$	4,717,121	$	4,621,942		-0.2		1.8


Balances at period end
Loans:
Commercial	$	2,232,860	$	2,234,236	$	2,111,752		-0.1		5.7
Direct installment		941,249		948,986		926,766		-0.8		1.6
Consumer LOC		251,100		245,627		254,054		2.2		-1.2
Residential mortgages		465,881		469,587		490,215		-0.8		-5.0
Indirect installment		427,663		440,812		461,214		-3.0		-7.3
Other		25,482		19,356		9,143		31.6		178.7

Total loans	$	4,344,235	$	4,358,604	$	4,253,144		-0.3		2.1


Deposits:
Non-interest bearing deposits	$	626,141	$	659,352	$	654,617		-5.0		-4.3
Savings and NOW		2,037,160		2,090,065		1,944,707		-2.5		4.8
Certificates of deposit and other time deposits		1,734,383		1,734,767		1,773,518		0.0		-2.2

Total deposits		4,397,684		4,484,184		4,372,842		-1.9		0.6
Treasury management accounts (4)		276,552		254,156		252,064		8.8		9.7

Total deposits and treasury management accounts (4)	$	4,674,236	$	4,738,340	$	4,624,906		-1.4		1.1

F.N.B. CORPORATION
(Unaudited)
(Dollars in thousands)


	For the Year
	Ended December 31,				Percent
	2007		2006		Variance
Average balances
Loans:
Commercial	$	2,182,237	$	1,902,896		14.7
Direct installment		932,344		917,009		1.7
Consumer LOC		248,788		258,429		-3.7
Residential mortgages		482,900		496,394		-2.7
Indirect installment		439,196		475,459		-7.6
Other		19,693		9,749		102.0

Total loans	$	4,305,158	$	4,059,936		6.0


Deposits:
Non-interest bearing deposits	$	634,537	$	649,191		-2.3
Savings and NOW		2,030,614		1,884,351		7.8
Certificates of deposit and other time deposits		1,744,691		1,729,836		0.9

Total deposits		4,409,842		4,263,378		3.4
Treasury management accounts (4)		266,726		213,045		25.2

Total deposits and treasury management accounts (4)	$	4,676,568	$	4,476,423		4.5


Balances at period end
Loans:
Commercial	$	2,232,860	$	2,111,752		5.7
Direct installment		941,249		926,766		1.6
Consumer LOC		251,100		254,054		-1.2
Residential mortgages		465,881		490,215		-5.0
Indirect installment		427,663		461,214		-7.3
Other		25,482		9,143		178.7

Total loans	$	4,344,235	$	4,253,144		2.1


Deposits:
Non-interest bearing deposits	$	626,141	$	654,617		-4.3
Savings and NOW		2,037,160		1,944,707		4.8
Certificates of deposit and other time deposits		1,734,383		1,773,518		-2.2

Total deposits		4,397,684		4,372,842		0.6
Treasury management accounts (4)		276,552		252,064		9.7

Total deposits and treasury management accounts (4)	$	4,674,236	$	4,624,906		1.1


001-31940		25-1255406

(Commission File Number)		(IRS Employer Identification No.)

One F.N.B. Boulevard, Hermitage, PA		16148

(Address of Principal Executive Offices)		(Zip Code)


		F.N.B. CORPORATION (Registrant)


		By:		/s/ Brian F. Lilly

		Name:		Brian F. Lilly
		Title:		Chief Financial Officer (Principal Financial Officer)