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) January 26, 2004


                                   FNB 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.)




 101 Sunset Avenue, 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)




ITEM 12.  Results of Operations and Financial Condition


     On January 26, 2004, FNB Corp. issued an earnings release announcing the
results of operations for the year ended December 31, 2003. A copy of FNB's
earnings release is attached hereto as Exhibit 99.1.

     The information in this Form 8-K and Exhibit 99.1 attached hereto shall not
be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of
1934, nor shall it be deemed incorporated by reference in any filing made by FNB
under the Securities Act of 1933, whether made before or after the date hereof,
except as shall be expressly set forth by specific reference in such filing.


                                   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, thereunto duly authorized.

                                                              FNB CORP.


Date: January 26, 2004                           By  /s/ Jerry A. Little
                                                     ___________________________
                                                     Jerry A. Little
                                                     Treasurer and Secretary
                                                     (Principal Financial and
                                                     Accounting Officer)