SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K
                                 CURRENT REPORT


    Pursuant to Sections 13 or 15(d) of the Securities Exchange Act of 1934

        Date of Report (Date of Earliest Event Reported) September 30, 2007
                                 --------------


                                 FNB United Corp.
                             -----------------------
             (Exact Name of Registrant as Specified in its Charter)


            North Carolina             0-13823             56-1456589
------------------------------------------------------------------------------
      (State or Other Jurisdiction   (Commission File    (IRS Employer
          of Incorporation)             Number)         Identification No.)


          150 South Fayetteville Street, Asheboro, North Carolina 27203
------------------------------------------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)


       Registrant's Telephone Number, Including Area Code (336) 626-8300
-------------------------------------------------------------------------

                                       N/A
------------------------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)
---------------------------------------------------------------------------

Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions (see General Instructions A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)
[ ] Soliciting  material pursuant to Rule 14a-12 under the Exchange Act
    (17  CFR  240.14a-12)
[ ] Pre-commencement  communications  pursuant  to  Rule 14d-2(b)
    under the  Exchange  Act (17 CFR  240.14d-2(b))
[ ] Pre-commencement communications  pursuant  to  Rule  13e-4(c)
    under  the  Exchange  Act  (17 CFR 240.13e-4(c))



Item 5.02.  Departure of Directors or Certain Officers; Election of Directors;
Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.

Robert O. Bratton, executive vice president and chief administrative officer of
FNB United Corp. and its bank subsidiary, CommunityONE Bank, N.A., retired
effective September 30, 2007.

A press release dated October 2, 2007, announcing the retirement of Mr. Bratton
as FNB United's chief administrative officer is attached as Exhibit 99.1 to the
report and is incorporated herein by reference.

Item 9.01.  Financial Statements and Exhibits.

Exhibits:

99.1     Press release dated October 2, 2007 announcing the retirement of Mr.
         Bratton as chief administrative officer of FNB United Corp.




                        SIGNATURES

   Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                            FNB UNITED CORP.

Date: October 2, 2007                       By /s/ Michael C. Miller
                                              -------------------------
                                               Michael C. Miller
                                               Chairman and President