SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
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 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*
RICHTER GARRETT S
(Last) (First) (Middle)
2320 HARRIER RUN
(Street)
NAPLES FL 34105
(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
FNB CORP/FL/ [ FBAN ] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director 10% Owner
X Officer (give title below) Other (specify below)
Executive Vice President
3. Date of Earliest Transaction (Month/Day/Year)
10/28/2003
4. If Amendment, Date of Original Filed (Month/Day/Year)
 6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
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 Transaction(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 STOCK 10/28/2003 F 8,128 D $31.87 35,868.173 D
COMMON STOCK 10/28/2003 M 31,172 A $8.31 67,040.173(1) D
COMMON STOCK 3,007.581(2) I BY TRUST (DEFERRED PLAN)
COMMON STOCK 7,219.0736 I BY TRUST (401K PLAN)
COMMON STOCK 29.199(3) I WIFE CUST. FOR MELISSA RICHTER
COMMON STOCK 29.199(3) I WIFE CUST. FOR ROBERT RICHTER
COMMON STOCK 29.199(3) I WIFE CUST. FOR ELIZABETH RICHTER
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) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (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: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Granted 11/15/1993) $8.31 10/28/2003 M 31,172.8324 (4) 11/15/2003 COMMON STOCK 31,172.8324(5) (6) 0 D
Stock Options (Granted 01/19/1998) $25.98 (4) 01/18/2008 COMMON STOCK 28,183 28,183(5) D
Stock Options (Granted 01/24/1999) $20.03 (4) 01/24/2009 COMMON STOCK 14,039 14,039(5) D
Stock Options (Granted 01/23/2000) $19.26 (4) 01/23/2010 COMMON STOCK 15,123 15,123(5) D
Stock Options (Granted 01/22/2001) $19.68 (4) 01/22/2011 COMMON STOCK 15,243 15,243(5) D
Stock Options (Granted 01/20/2002) $24.4 (4) 01/20/2012 COMMON STOCK 20,655 20,655(5) D
Stock Options (Granted 01/20/2003) $25.92 (4) 01/20/2013 COMMON STOCK 20,829 20,829(5) D
Common Stock Equivalent (7) (8) (9) COMMON STOCK 307.1598 307.1598(10) I INTEREST IN PLAN
Explanation of Responses:
1. 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.
2. Includes 141.128 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 66.001 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
3. 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.
4. Options vest over a five year period, 20% each year on anniversary of grant date.
5. Represents change in exercise price and number of shares obtainable upon exercise due to a 5% stock dividend on 05/30/2003.
6. The price of the derivative security does not apply to this transaction.
7. 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.
8. 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.
9. 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.
10. 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.
Remarks:
/s/ Garrett S. Richter 10/29/2003
** Signature of Reporting Person Date
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).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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