-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 QJUoPCNDFhSEppF4vovCkstKTCJRi4SMz0fi4va2xoFle5Tswu4DFafkjlncgx6G
 jIVlqTjMqGlf8EH39s7rUw==

<SEC-DOCUMENT>0001209191-03-027416.txt : 20031029
<SEC-HEADER>0001209191-03-027416.hdr.sgml : 20031029
<ACCEPTANCE-DATETIME>20031029152537
ACCESSION NUMBER:		0001209191-03-027416
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031028
FILED AS OF DATE:		20031029

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			RICHTER GARRETT S
		CENTRAL INDEX KEY:			0001193608

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-08144
		FILM NUMBER:		03963569

	MAIL ADDRESS:	
		STREET 1:		2150 GOODLETT ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FNB CORP/FL/
		CENTRAL INDEX KEY:			0000037808
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251255406
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		F.N.B. CENTER
		STREET 2:		2150 GOODLETTE ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102
		BUSINESS PHONE:		239-262-7600

	MAIL ADDRESS:	
		STREET 1:		F.N.B. CENTER
		STREET 2:		2150 GOODLETTE ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FNB CORP/PA
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS BUDGET CO
		DATE OF NAME CHANGE:	19750909
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-10-28</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000037808</issuerCik><issuerName>FNB CORP/FL/</issuerName>        <issuerTradingSymbol>FBAN</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001193608</rptOwnerCik><rptOwnerName>RICHTER GARRETT S</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>2320 HARRIER RUN</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>NAPLES</rptOwnerCity><rptOwnerState>FL</rptOwnerState><rptOwnerZipCode>34105</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Executive Vice President</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativ
eTable><nonDerivativeTransaction><securityTitle><value>COMMON STOCK</value></securityTitle><transactionDate><value>2003-10-28</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>F</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>8128</value></transactionShares><transactionPricePerShare><value>31.87</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>35868.173</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>COMMON STOCK</value></security
Title><transactionDate><value>2003-10-28</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>31172</value></transactionShares><transactionPricePerShare><value>8.31</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>67040.173</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>COMMON STOCK</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><val
ue>3007.581</value><footnoteId id="F2" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>BY TRUST (DEFERRED PLAN)</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON STOCK</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>7219.0736</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>BY TRUST (401K PLAN)</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON STOCK</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>29.199</value><footnoteId id="F3" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</
value></directOrIndirectOwnership><natureOfOwnership><value>WIFE CUST. FOR MELISSA RICHTER</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON STOCK</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>29.199</value><footnoteId id="F3" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>WIFE CUST. FOR ROBERT RICHTER</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON STOCK</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>29.199</value><footnoteId id="F3" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>WIFE CUST. FOR ELIZABETH RICHTER</value></natureOfOwnership>
</ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeTransaction><securityTitle><value>Stock Options (Granted 11/15/1993)</value></securityTitle><conversionOrExercisePrice><value>8.31</value></conversionOrExercisePrice><transactionDate><value>2003-10-28</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>M</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>31172.8324</value></transactionShares><transactionPricePerShare><footnoteId id="F6" /></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2003-11-15</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</val
ue></underlyingSecurityTitle><underlyingSecurityShares><value>31172.8324</value><footnoteId id="F5" /></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction><derivativeHolding><securityTitle><value>Stock Options (Granted 01/19/1998)</value></securityTitle><conversionOrExercisePrice><value>25.98</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2008-01-18</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>28183</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>28183</value><footnoteId id="F5" /></sharesOwnedFollowingTransaction></p
ostTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/24/1999)</value></securityTitle><conversionOrExercisePrice><value>20.03</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2009-01-24</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>14039</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>14039</value><footnoteId id="F5" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/23/2000)</value></securityTitle><conversionOrExer
cisePrice><value>19.26</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2010-01-23</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>15123</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15123</value><footnoteId id="F5" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/22/2001)</value></securityTitle><conversionOrExercisePrice><value>19.68</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2011-01-22</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle
><underlyingSecurityShares><value>15243</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>15243</value><footnoteId id="F5" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/20/2002)</value></securityTitle><conversionOrExercisePrice><value>24.4</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2012-01-20</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>20655</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>20655</value><footnoteId id="F5" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNa
ture><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/20/2003)</value></securityTitle><conversionOrExercisePrice><value>25.92</value></conversionOrExercisePrice><exerciseDate><footnoteId id="F4" /></exerciseDate><expirationDate><value>2013-01-20</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>20829</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>20829</value><footnoteId id="F5" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Common Stock Equivalent</value></securityTitle><conversionOrExercisePrice><footnoteId id="F7" /></conversionO
rExercisePrice><exerciseDate><footnoteId id="F8" /></exerciseDate><expirationDate><footnoteId id="F9" /></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>307.1598</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>307.1598</value><footnoteId id="F10" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>INTEREST IN PLAN</value></natureOfOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes><footnote id="F1">Includes 2,094.336 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 3.182 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote><footnote id="F2">Includes 141.128 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 66.001 shares acquire
d under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote><footnote id="F3">Includes 1.370 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 0.641 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote><footnote id="F4">Options vest over a five year period, 20% each year on anniversary of grant date.</footnote><footnote id="F5">Represents change in exercise price and number of shares obtainable upon exercise due to a 5% stock dividend on 05/30/2003.</footnote><footnote id="F6">The price of the derivative security does not apply to this transaction.</footnote><footnote id="F7">The price is to be determined at retirement when the reporting person receives these shares. The price will be based on the average of the bid and ask prices at the time of the individual's retirement.</footnote><footnote id="F8">There is no exercisable date on these shares. These shares represent credit under supplemental retirement plan for employer matching contributions which
 reporting person was prevented from receiving under exempt 401(k) Plan. These shares are received at retirement.</footnote><footnote id="F9">There is no expiration date on these shares. These shares represent credit under supplemental retirement plan for employer matching contributions which reporting person was prevented from receiving under exempt 401(k) Plan. These shares are received at retirement.</footnote><footnote id="F10">Includes 14.4131 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 6.7567 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>/s/ Garrett S. Richter</signatureName><signatureDate>2003-10-29</signatureDate></ownerSignature></ownershipDocument>

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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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