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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 F53G7L4/aH8R1lgT+AJN+o7IxpBlvOPyO3Clxye3adD/SGqhdUpfpjBdlNrOwoI/
 CWtO4WuHch4bY0fzz61oWA==

<SEC-DOCUMENT>/in/edgar/work/0000037808-00-000039/0000037808-00-000039.txt : 20001116
<SEC-HEADER>0000037808-00-000039.hdr.sgml : 20001116
ACCESSION NUMBER:		0000037808-00-000039
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20001115

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FNB CORP/PA
		CENTRAL INDEX KEY:			0000037808
		STANDARD INDUSTRIAL CLASSIFICATION:	 [6021
]		IRS NUMBER:				251255406
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231
</COMPANY-DATA>

		FILING VALUES:
			FORM TYPE:		424B2
			SEC ACT:		
			SEC FILE NUMBER:	333-74737
			FILM NUMBER:		770033
</FILING-VALUES>

			BUSINESS ADDRESS:	
				STREET 1:		ONE FNB BLVD
				STREET 2:		HERMITAGE SQUARE
				CITY:			HERMITAGE
				STATE:			PA
				ZIP:			16148
				BUSINESS PHONE:		7249816000
</BUSINESS-ADDRESS>

				MAIL ADDRESS:	
					STREET 1:		HERMITAGE SQUARE
					CITY:			HERMITAGE
					STATE:			PA
					ZIP:			16148
</MAIL-ADDRESS>

					FORMER COMPANY:	
						FORMER CONFORMED NAME:	CITIZENS BUDGET CO
						DATE OF NAME CHANGE:	19750909
</FORMER-COMPANY>
</FILER>
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>0001.txt
<TEXT>


                                         November 14, 2000


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

                                         RE:  Filing of Prospectus Supplement
                                              Pursuant to Rule 424;
                                              Registration # 333-74737

Gentlemen:

Pursuant to the provisions of Rule 424 (b) 2 of the Rules and Regulations
under the Securities Act of 1933, as amended, we enclose for filing the
following copy of the Prospectus Supplement dated November 15, 2000 through
November 21, 2000, with respect to the above Registration Statement.

In accordance with Rule 424 (c), only the Prospectus Supplement is being filed
because it will be attached to a form of Prospectus that previously has been
filed.  The Prospectus Supplement includes a cross reference on the cover
thereof to the date of the related Prospectus.

                                         Very truly yours,

                                         F.N.B. CORPORATION

                                         /s/ John D. Waters

                                         John D. Waters
                                         Vice President and
                                         Chief Financial Officer

JDW:dg
misc/JDWsecexch
Enclosures

<PAGE>
PROSPECTUS SUPPLEMENT
(To Prospectus Dated April 15, 1999)


                               F.N.B. CORPORATION

                                  $125,000,000
                          SUBORDINATED TERM NOTES DUE
            3, 6, 9, 12, 18, 24, 30, 36, 48, 60, 84 AND 120 MONTHS
                                       AND
                            SUBORDINATED DAILY NOTES

   The following interest rates are applicable to Subordinated Term Notes and
          Subordinated Daily Notes offered and sold during the period:
                  November 15, 2000 through November 21, 2000.

                                                 ANNUAL
                                             INTEREST RATE
                                             -------------
                 Subordinated Daily
                 Notes:                             5.00%

                 Subordinated Term
                 Notes:
                   3 Month                          5.15%
                   6 Month                          5.30%
                   9 Month                          5.50%
                  12 Month                          6.00%
                  18 Month                          5.65%
                  24 Month                          7.00%
                  30 Month                          5.75%
                  36 Month                          6.00%
                  48 Month                          6.25%
                  60 Month                          6.50%
                  84 Month                          6.80%
                 120 Month                          7.00%



14-Nov-00
CH\RATES\SECDRAFT
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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