-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 MerBxuw6b3S4gacQeAZCJ/t0ZFaM1Kufo8V3FfZHlJ/58bpBRX4eJ6LVk24fqd5J
 68JzqFvqFL06Af36cOVvYA==

<SEC-DOCUMENT>0001209191-04-002220.txt : 20040108
<SEC-HEADER>0001209191-04-002220.hdr.sgml : 20040108
<ACCEPTANCE-DATETIME>20040108174258
ACCESSION NUMBER:		0001209191-04-002220
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040106
FILED AS OF DATE:		20040108

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LINDSAY JAMES S
		CENTRAL INDEX KEY:			0001194938

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31940
		FILM NUMBER:		04516233

	MAIL ADDRESS:	
		STREET 1:		723 21 AVE SOUTH
		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>2004-01-06</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000037808</issuerCik><issuerName>FNB CORP/FL/</issuerName>        <issuerTradingSymbol>FBAN</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001194938</rptOwnerCik><rptOwnerName>LINDSAY JAMES S</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>723 21ST AVENUE SOUTH</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>NAPLES</rptOwnerCity><rptOwnerState>FL</rptOwnerState><rptOwnerZipCode>34102</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><v
alue>COMMON</value></securityTitle><transactionDate><value>2004-01-06</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>95.6360</value></transactionShares><transactionPricePerShare><value>33.4602</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>136127.0990</value><footnoteId id="F1" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>COMMON</value></securityTitle><postTransactionAmounts><shares
OwnedFollowingTransaction><value>4978.6760</value><footnoteId id="F2" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>CUST FOR JULIE LINDSAY</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5124.6760</value><footnoteId id="F2" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>CUST FOR JOHN LINDSAY</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1473.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirec
tOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>CUST FOR DOROTHY LINDSAY</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>10409.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>BY WIFE</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>COMMON</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>4353.8300</value><footnoteId id="F3" /></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>BY DEFERRED TRUST PLAN</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></n
onDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Stock Options (Granted 01/24/1999)</value></securityTitle><conversionOrExercisePrice><value>20.0300</value></conversionOrExercisePrice><exerciseDate><value>2000-01-25</value></exerciseDate><expirationDate><value>2009-01-24</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>1910.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1910.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 04/29/1999)</value></securityTitle><conversionOrExercisePrice><value>18.8500</value></conversionOrExercisePrice><exerciseDate><value>2000-04-30</value></exerciseDate><expirat
ionDate><value>2009-04-29</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>428.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>428.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/23/2000)</value></securityTitle><conversionOrExercisePrice><value>19.2600</value></conversionOrExercisePrice><exerciseDate><value>2001-01-24</value></exerciseDate><expirationDate><value>2010-01-23</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>1677.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><shar
esOwnedFollowingTransaction><value>1677.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/22/2001)</value></securityTitle><conversionOrExercisePrice><value>19.6800</value></conversionOrExercisePrice><exerciseDate><value>2002-01-23</value></exerciseDate><expirationDate><value>2011-01-22</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>1920.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1920.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><v
alue>Stock Options (Granted 01/20/2002)</value></securityTitle><conversionOrExercisePrice><value>24.4000</value></conversionOrExercisePrice><exerciseDate><value>2003-01-21</value></exerciseDate><expirationDate><value>2012-01-20</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>1674.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1674.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Stock Options (Granted 01/20/2003)</value></securityTitle><conversionOrExercisePrice><value>25.9200</value></conversionOrExercisePrice><exerciseDate><value>2004-01-21</value></exerciseDate><expirationDate><value>2013-01-20</value></expirationDate><underlyingSecurity><
underlyingSecurityTitle><value>COMMON STOCK</value></underlyingSecurityTitle><underlyingSecurityShares><value>2274.0000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>2274.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes><footnote id="F1">Includes 75.793 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote><footnote id="F2">Includes 25.799 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote><footnote id="F3">Includes 30.760 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>/s/ James S. Lindsay</signatureName><signatureDate>2004-01-08</signatureDate></ownerSignature></ownershipDocument>

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