Exhibit 99.3

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

The following unaudited pro forma condensed combined financial information is based on the historical financial statements of FNB Corp. and subsidiaries (“FNB”), United Financial, Inc. and subsidiary (“United”) and Integrity Financial Corporation and subsidiaries (‘Integrity”) and has been prepared to illustrate the effects of the FNB acquisition of United announced on May 10, 2005 and of the FNB acquisition of Integrity announced on September 19, 2005. The unaudited pro forma condensed combined balance sheet as of June 30, 2005 and the unaudited pro forma condensed combined statements of income for the six months ended June 30, 2005 and for the year ended December 31, 2004 give effect to these merger transactions, accounted for under the purchase method of accounting.

The unaudited pro forma condensed combined income statement for the six months ended June 30, 2005 has been derived from the unaudited interim financial statements for FNB, United and Integrity. The unaudited pro forma condensed combined income statement for the year ended December 31, 2004 is based on the audited financial statements of FNB, United and Integrity. These unaudited pro forma condensed combined income statements give effect to the transaction as if it had been consummated at the beginning of the earliest period presented, or January 1, 2004. The unaudited pro forma condensed combined financial statements do not give effect to the anticipated cost savings or revenue enhancements in connection with the transaction.

The unaudited pro forma condensed combined financial statements should be considered together with the historical financial statements of FNB, United and Integrity, including the respective notes to those statements. The pro forma information does not necessarily indicate the combined financial position or the results of operations in the future or the combined financial position or the results of operations that would have been realized had the merger transactions been consummated during the periods or as of the dates for which the pro forma information is presented.

For the merger of FNB and United, the unaudited pro forma condensed combined balance sheet information is based on agreement terms that provide for 65% of the United shares of common stock to be exchanged for FNB shares of common stock with an effective exchange ratio of 0.6828 shares of FNB common stock for each share of United common stock and for the remaining 35% of United shares to be exchanged for cash at the rate $14.25 per share.

For the merger of FNB and Integrity, the unaudited pro forma condensed combined balance sheet information is based on agreement terms that provide for the exchange of each share of Integrity common stock for 0.8743 shares of FNB common stock and a cash payment of $5.20. The exchange ratio of 0.8743 reflects that 78% of Integrity’s shares are being exchanged for FNB shares with the remaining 22% of Integrity’s shares being exchanged for cash.

FNB CORP. AND SUBSIDIARIES

UNAUDITED PRO FORMA CONDENSED COMBINED BALANCE SHEET

As of June 30, 2005

	FNB Corp. and Subsidiaries			United Financial, Inc.			Pro Forma Adjustments			Pro Forma Combined			Integrity Financial Corporation			Pro Forma Adjustments			Pro Forma Combined
	(in thousands)
Assets
Cash and due from banks	$	19,433		$	1,601		$	—		$	21,034		$	9,206		$	—		$	30,240
Interest-bearing bank accounts		862			2,013			—			2,875			17,719			—			20,594
Federal funds sold		880			1,555			—			2,435			—			—			2,435
Investment securities:
Available for sale		76,559			36,886			—			113,445			91,174			—			204,619
Held to maturity		48,385			—			—			48,385			4,043			166	(B)		52,594
Loans:
Loans held for sale		27,814			686			—			28,500			5,584			—			34,084
Loans held for investment		675,073			99,881			1,034	(B)		775,988			492,878			(2,035	)(B)		1,266,831
Less allowance for loan losses		(7,732	)		(1,696	)		—			(9,428	)		(8,099	)		—			(17,527	)
Net Loans		695,155			98,871			1,034			795,060			490,363			(2,035	)		1,283,388
Premises and equipment, net		18,795			4,982			963	(B)		24,740			19,508			—	(B)		44,248
Goodwill		16,359			—			12,011	(B)		28,370			17,238			(17,238	)(D)		111,151
																	82,781	(C)
Core deposit Intangible		77			—			506	(B)		583			1,998			(1,998	)(D)		6,799
																	6,216	(B)
Other assets		28,097			4,225			(219	)(A,B)		32,103			17,049			(264	)(A,B)		48,888
Total assets	$	904,602		$	150,133		$	14,295		$	1,069,030		$	668,298		$	67,628		$	1,804,956
Liabilities and Shareholders’ Equity
Deposits:
Noninterest-bearing demand	$	84,055			10,503		$	—		$	94,558		$	49,378		$	—		$	143,936
Interest-bearing:
Demand, savings and money market		218,795			18,521			—			237,316			199,264			—			436,580
Time deposits		386,809			83,346			(555	)(B)		469,600			295,952			170	(B)		765,722
Total deposits		689,659			112,370			(555	)		801,474			544,594			170			1,346,238
Retail repurchase agreements		17,101			59			—			17,160			3,653			—			20,813
Federal Home Loan Bank advances		68,010			23,000			(215	)(B)		90,795			40,575			(97	)(B)		131,273
Federal funds purchased		—			—			—			—			1,500			—			1,500
Other borrowed funds		36,502			2,500			8,182	(A)		47,184			10,310			27,209	(A)		84,703
Other liabilities		8,361			1,258			3,540	(A)		13,159			1,677			4,420	(A)		19,256
Total liabilities		819,633			139,187			10,952			969,772			602,309			31,702			1,603,783
Shareholders’ equity
Common stock		14,044			1,641			179	(A)		15,864			5,233			6,206	(A)		27,303
Surplus		10,590			9,478			2,991	(A)		23,059			56,327			34,149	(A)		113,535
Retained earnings		59,279			78			(78	)(A)		59,279			4,812			(4,812	)(A)		59,279
Accumulated other
comprehensive income (loss)		1,056			(251	)		251	(A)		1,056			(383	)		383	(A)		1,056
Total shareholders’ equity		84,969			10,946			3,343			99,258			65,989			35,926			201,173
Total liabilities and shareholders’ equity	$	904,602			150,133		$	14,295		$	1,069,030		$	668,298		$	67,628		$	1,804,956

FNB CORP. AND SUBSIDIARIES

UNAUDITED PRO FORMA CONDENSED COMBINED STATEMENT OF INCOME

For the Six Months Ended June 30, 2005

	FNB Corp. and Subsidiaries		United Financial, Inc.		Pro Forma Adjustments			Pro Forma Combined		Integrity Financial Corporation		Pro Forma Adjustments			Pro Forma Combined
	(in thousands, except share and per share data)
Interest income	$	24,496	$	4,100	$	(103	)(E)	$	28,525	$	18,661	$	203	(E)	$	47,427
						32	(F)						38	(F)
Interest expense		8,492		1,788		79	(G)		10,604		7,232		(34	)(G)		18,512
						36	(H)						16	(H)
						209	(I)						694	(I)
Net interest income		16,004		2,312		(395	)		17,921		11,429		(435	)		28,915
Provision for loan losses		1,234		90		—			1,324		32		—			1,356
Net interest income after provision for loan losses		14,770		2,222		(395	)		16,597		11,397		(435	)		27,559
Noninterest income		7,122		496		—			7,618		2,311		—			9,929
Noninterest expense		15,159		2,241		13	(J)		17,454		8,871		—	(J)		26,675
						41	(K)						509	(K)
						—							(159	)(L)
Income before income taxes		6,733		477		(449	)		6,761		4,837		(785	)		10,813
Income taxes		2,155		22		(173	)(M)		2,004		1,680		(303	)(M)		3,381
Net income	$	4,578	$	455	$	(276	)	$	4,757	$	3,157	$	(482	)	$	7,432
Net income per common share:
Basic	$	0.82	$	0.28				$	0.75	$	0.61				$	0.68
Diluted	$	0.80	$	0.27				$	0.73	$	0.59				$	0.66
Weighted average number of shares outstanding:
Basic		5,607,481		1,640,565		(912,450	)		6,335,596		5,183,846		(608,488	)		10,910,954
Diluted		5,752,022		1,676,688		(923,909	)		6,504,801		5,340,905		(628,215	)		11,217,491

FNB CORP. AND SUBSIDIARIES

UNAUDITED PRO FORMA CONDENSED COMBINED STATEMENT OF INCOME

For the Twelve Months Ended December 31, 2004

	FNB Corp. and Subsidiaries		United Financial, Inc.		Pro Forma Adjustments			Pro Forma Combined		Integrity Financial Corporation		Pro Forma Adjustments			Pro Forma Combined
	(in thousands, except share and per share data)
Interest income	$	40,436	$	7,308	$	(207	)(E)	$	47,600	$	32,917	$	407	(E)	$	81,001
						63	(F)						77	(F)
Interest expense		12,402		2,969		476	(G)		16,336		12,288		(136	)(G)		29,908
						72	(H)						32	(H)
						417	(I)						1,388	(I)
Net interest income		28,034		4,339		(1,109	)		31,264		20,629		(800	)		51,093
Provision for loan losses		4,030		574		—			4,604		6,458		—			11,062
Net interest income after provision for loan losses		24,004		3,765		(1,109	)		26,660		14,171		(800	)		40,031
Noninterest income		13,673		1,091		—			14,764		5,275		—			20,039
Noninterest expense		28,755		4,629		26	(J)		33,502		17,763		—	(J)		52,076
						92	(K)						1,130	(K)
						—							(319	)(L)
Income before income taxes		8,922		227		(1,227	)		7,922		1,683		(1,611	)		7,994
Income taxes		2,324		—		(473	)(M)		1,851		169		(621	)(M)		1,399
Net income	$	6,598	$	227	$	(754	)	$	6,071	$	1,514	$	(990	)	$	6,595
Net income per common share:
Basic	$	1.17	$	0.14				$	0.95	$	0.30				$	0.61
Diluted	$	1.13	$	0.14				$	0.93	$	0.29				$	0.59
Weighted average number of shares outstanding:
Basic		5,663,173		1,640,565		(912,450	)		6,391,288		5,085,486		(599,808	)		10,876,966
Diluted		5,822,047		1,654,266		(916,796	)		6,559,517		5,299,245		(626,656	)		11,232,106

NOTES TO UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL DATA

Note 1 – Basis of Presentation and Acquisitions

As announced on May 10, 2005, FNB Corp. and United Financial, Inc. have entered into a definitive merger agreement with terms that provide for 65% of the United shares of common stock to be exchanged for FNB shares of common stock with an effective exchange ratio of 0.6828 shares of FNB common stock for each share of United common stock and for the remaining 35% of United shares to be exchanged for cash at the rate $14.25 per share. Based on an average FNB share price of $19.62 computed for a five-day period that included the announcement date, the estimated value of the total stock consideration is $14,289,000 at June 30, 2005, while the total cash payment is estimated to be $8,182,000. Outstanding United stock options are to be cashed out at the effective date of the merger at the rate of $14.25 per share, resulting in an estimated value of this consideration, net of tax, of $793,000 at June 30, 2005.

As announced on September 19, 2005, FNB Corp. and Integrity Financial Corporation have entered into a definitive merger agreement with terms that provide for the exchange of each share of Integrity common stock for 0.8743 shares of FNB common stock and a cash payment of $5.20. The exchange ratio of 0.8743 reflects that 78% of Integrity’s shares are being exchanged for FNB shares with the remaining 22% of Integrity’s shares being exchanged for cash. Based on an average FNB share price of $21.10 computed for a recent five-day period prior to the announcement date, the estimated value of the total stock consideration is $96,541,000 at June 30, 2005, while the total cash payment is estimated to be $27,209,000. Outstanding Integrity stock options, which will be assumed in the merger by FNB, have an estimated fair value at June 30, 2005 of $5,374,000.

The unaudited pro forma condensed combined financial information gives effect to the two acquisitions under the purchase method of accounting, and the unaudited condensed combined balance sheet assumes the transaction occurred on June 30, 2005, reflecting the purchase consideration noted above.

Described below is the pro forma estimate of the total purchase price of the transactions as well as adjustments to allocate the purchase price based on preliminary estimates of fair values of the assets and liabilities of United and Integrity (in thousands).

	United			Integrity
Estimated fair value of shares to be issued	$	14,289		$	96,541
Cash to be paid to shareholders		8,182			27,209
Fair value of stock options		1,291			5,374
Estimated transaction costs		2,249			4,420
Total purchase price		26,011			133,544
Net assets based on carrying amounts at June 30, 2005		10,946			65,989
Less: Elimination of prior goodwill		—			(17,238	)
Less: Elimination of prior core deposit intangible		—			(1,998	)
Increase (decrease) in net assets to reflect estimated fair value adjustments under the purchase method of accounting:
Held-to maturity investment securities		—			166
Loans held for investment		1,034			(2,035	)
Premises and equipment		963			—
Other assets		(219	)		(264	)
Deposits		555			(170	)
Federal Home Loan Bank advances		215			97
Fair value of net assets acquired		13,494			44,547
Total purchase price in excess of fair value of net assets acquired		12,517			88,997
Identifiable intangible assets:
Core deposit		(506	)		(6,216	)
Goodwill	$	12,011		$	82,781

Except as discussed in Note 2, there are no adjustments to other asset or liability groups, and the book values approximate fair values.

The effects of the transaction, as reflected in the unaudited pro forma condensed combined financial data, will be accounted for by FNB Corp. under the purchase method of accounting in accordance with Statement of Financial Accounting Standards No. 141, “Business Combinations,” and Statement of Financial Accounting Standards No. 142, “Goodwill and Other Intangible Assets” (“SFAS No. 142”). In accordance with SFAS No. 142, intangible assets other than goodwill must be amortized over their estimated useful lives. Goodwill will not be amortized to expense, but instead will be reviewed for impairment at least annually and to the extent goodwill is impaired, its carrying value will be written down to its implied fair value and a charge to earnings will be made.

Note 2 – Purchase Accounting and Pro Forma Acquisition Adjustments

(A) For the United merger, reflects the issuance of 728,115 shares of FNB common stock at the value described in Note 1 above, the elimination of the existing equity accounts of United, plus other items associated with the transaction, including cash consideration of $8,182,000, the fair value of stock options of $1,291,000 and estimated transaction costs of $2,249,000.

For the Integrity merger, reflects the issuance of 4,575,358 shares of FNB common stock at the value described in Note 1 above, the elimination of the existing equity accounts of Integrity plus other items associated with the transaction, including cash consideration of $27,209,000, the fair value of stock options of $5,374,000 and estimated transaction costs of $4,420,000.

(B) Represents the recording of fair value adjustments relating to the assets and liabilities of United and Integrity.

(C) Represents an adjustment to record the estimated goodwill related to the transaction.

(D) Represents adjustments to eliminate core deposit intangible and goodwill recorded in the historical financial statements of Integrity.

(E) Represents the adjustment to record the amortization of the fair value adjustment on acquired loans over their expected average life of five years.

(F) Represents the adjustment to record the amortization of the fair value adjustment on acquired securities over their expected average life of six years.

(G) Represents the adjustment to record the amortization of the fair value adjustment on acquired time deposits over their expected average life of 14 months for United and 15 months for Integrity.

(H) Represents the adjustment to record the amortization of the fair value adjustment on acquired Federal Home Loan Bank advances over their expected average life of three years.

(I) Represents interest expense related to borrowings to finance the payment of cash consideration to United and Integrity shareholders.

(J) Represents the adjustment to record the amortization of the fair value adjustment on acquired premises over their expected useful life of 25 years.

(K) Represents the adjustment to record the amortization of the fair value adjustment on acquired core deposits on the sum-of-the-years-digits basis over their expected average life of 10 years.

(L) Represents reversal of amortization of core deposit intangible recorded in the historical financial statements of Integrity.

(M) Represents estimated tax savings on transaction adjustments at a combined rate of 38.55%.