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<SEC-DOCUMENT>/in/edgar/work/20000601/0000950128-00-000860/0000950128-00-000860.txt : 20000919
<SEC-HEADER>0000950128-00-000860.hdr.sgml : 20000919
ACCESSION NUMBER:		0000950128-00-000860
CONFORMED SUBMISSION TYPE:	S-3
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20000601

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:		S-3
			SEC ACT:		
			SEC FILE NUMBER:	333-38374
			FILM NUMBER:		647985
</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>S-3
<SEQUENCE>1
<FILENAME>0001.txt
<DESCRIPTION>F.N.B. CORPORATION FORM S-3
<TEXT>

<PAGE>   1
      AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON JUNE 1, 2000
                                          REGISTRATION STATEMENT NO. 333-

================================================================================
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                       ----------------------------------

                                    FORM S-3
                             REGISTRATION STATEMENT
                        UNDER THE SECURITIES ACT OF 1933

                       ----------------------------------

                               F.N.B. CORPORATION
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

          PENNSYLVANIA                                           25-1255406
(STATE OR OTHER JURISDICTION OF                               (I.R.S. EMPLOYER
INCORPORATION OR ORGANIZATION)                               IDENTIFICATION NO.)

                              ONE F.N.B. BOULEVARD,
                               HERMITAGE, PA 16148
                                (724) 981-6000
               (ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER,
        INCLUDING AREA CODE, OF REGISTRANT'S PRINCIPAL EXECUTIVE OFFICES)

                       ----------------------------------

                                 PETER MORTENSEN
                      CHAIRMAN AND CHIEF EXECUTIVE OFFICER
                               F.N.B. CORPORATION
                              ONE F.N.B. BOULEVARD
                               HERMITAGE, PA 16148
                                 (724) 981-6000
            (NAME, ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE NUMBER,
                   INCLUDING AREA CODE, OF AGENT FOR SERVICE)

                       ----------------------------------

                                    COPY TO:

                          CHRISTOPHER J. RAYL, ESQUIRE
                              COHEN & GRIGSBY, P.C.
                          11 STANWIX STREET, 15TH FLOOR
                         PITTSBURGH, PENNSYLVANIA 15222

                       ----------------------------------

         Approximate date of commencement of proposed sale to the public: As
soon as practicable after this Registration Statement becomes effective.

         If the only securities being registered on this Form are being offered
pursuant to dividend or interest reinvestment plans, please check the following
box. [ ]

         If any of the securities being registered on this Form are to be
offered on a delayed or continuous basis pursuant to Rule 415 under the
Securities Act of 1933, other than securities offered only in connection with
dividend or interest reinvestment plans, please check the following box. |X|

         If this Form is a post-effective amendment filed pursuant to Rule
462(c) under the Securities Act, check the following box and list the Securities
Act registration statement number of the earlier effective registration
statement for the same offering. [ ] ___________

         If delivery of the prospectus is expected to be made pursuant to Rule
434, please check the following box. [ ]

                         CALCULATION OF REGISTRATION FEE
<TABLE>
<CAPTION>
=========================================================================================================================
        Title of Each Class                 Amount          Proposed Maximum     Proposed Maximum         Amount of
        of Securities to be                  to be           Offering Price     Aggregate Offering      Registration
             Registered                   Registered           Per Unit(1)            Price(1)              Fee
- -------------------------------------------------------------------------------------------------------------------------
        <S>                               <C>               <C>                 <C>                     <C>
            Common Stock
          $2.00 par value                   200,000            $18.69               $3,738,000             $986.83
=========================================================================================================================
</TABLE>

- ---------------

(1) Estimated solely for the purpose of calculating the registration fee, and
calculated in accordance with Rule 457(c) based on the market value per share of
F.N.B. Corporation common stock as of May 26, 2000.

     The Registrant hereby amends this Registration Statement on such date or
dates as may be necessary to delay its effective date until the Registrant
shall file a further amendment which specifically states that this Registration
Statement shall thereafter become effective in accordance with Section 8(a) of
the Securities Act of 1933 or until the Registration Statement shall become
effective on such date as the Commission, acting pursuant to said Section 8(a),
may determine.
<PAGE>   2
                               F.N.B. CORPORATION

                              DIVIDEND REINVESTMENT
                                       AND
                           DIRECT STOCK PURCHASE PLAN

    THIS PROSPECTUS RELATES TO AN AGGREGATE OF 200,000 SHARES OF COMMON STOCK
  OF F.N.B. CORPORATION REGISTERED FOR SALE UNDER ITS DIVIDEND REINVESTMENT AND
                DIRECT STOCK PURCHASE PLAN. THE COMMON STOCK OF
     F.N.B. CORPORATION IS LISTED FOR TRADING ON THE NASDAQ NATIONAL MARKET
          UNDER THE SYMBOL "FBAN." IT IS SUGGESTED THAT THIS PROSPECTUS
                        BE RETAINED FOR FUTURE REFERENCE.


                       -----------------------------------

                       -----------------------------------

                       -----------------------------------


          THESE SECURITIES HAVE NOT BEEN APPROVED OR DISAPPROVED BY THE
            SECURITIES AND EXCHANGE COMMISSION NOR HAS THE COMMISSION
            PASSED UPON THE ACCURACY OR ADEQUACY OF THIS PROSPECTUS.
            ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.






                                                                    Prospectus
                                                                    ______, 2000

<PAGE>   3
                                TABLE OF CONTENTS

                                                                            Page
                                                                            ----

F.N.B. Corporation Dividend Reinvestment and Direct Stock Purchase Plan........1
F.N.B. Corporation.............................................................1
Summary of the Plan............................................................2
Administrator of the Plan......................................................3
Enrollment.....................................................................3
Investment Options:
         Dividend Reinvestment.................................................4
         Optional Cash Investments............................................ 5
Purchase of Shares Through the Plan............................................8
Independent Broker ............................................................8
Sale of Shares Held Under the Plan.............................................8
Safekeeping of Your Stock Certificates and Book Entry..........................9
Gifts or Transfers of Shares...................................................9
Issuance of Certificates......................................................10
Plan Service Fees.............................................................11
Tracking Your Investments.....................................................11
U.S. Federal Income Tax Information...........................................12
Miscellaneous:
         Available Information/Incorporation of Documents by Reference........12
         Stock Splits, Stock Dividends and Other Distributions................13
         Voting of Proxies....................................................13
         Responsibility of Administrator and F.N.B. Corporation...............13
         Future Dividends.....................................................14
         Use of Proceeds......................................................14
         Legal Matters........................................................14
         Plan Modification or Termination.....................................14
         Change of Eligibility; Termination...................................14
         Foreign Participation................................................15
         Independent Auditors.................................................15



<PAGE>   4
                               F.N.B. CORPORATION

              DIVIDEND REINVESTMENT AND DIRECT STOCK PURCHASE PLAN

This prospectus describes the F.N.B. Corporation Dividend Reinvestment and
Direct Stock Purchase Plan (the "Plan"). The Plan was approved by the Board of
Directors of F.N.B. Corporation ("F.N.B." or the "Corporation") on September 22,
1997, and became effective on March 1, 1999. The Plan provides a convenient way
for current or prospective shareholders to purchase shares of Common Stock of
F.N.B. without paying a brokerage commission.

You do not have to be a current shareholder of F.N.B. to participate in the
Plan. You can purchase your first shares of F.N.B. Common Stock through the Plan
by making an initial purchase of $1,000 or more. The Plan is administered by
F.N.B.'s wholly-owned subsidiary, First National Bank of Naples (see
"Administrator of Plan" on Page 3).

                               F.N.B. CORPORATION

F.N.B. is a company registered under the Bank Holding Company Act of 1956, as
amended. Through its subsidiaries, F.N.B. provides retail, commercial and
corporate banking services, as well as a variety of other financial services.
F.N.B.'s principal executive office is located at One F.N.B. Boulevard,
Hermitage, Pennsylvania 16148, and its telephone number is (724) 981-6000.
F.N.B.'s Common Stock is listed for trading on the Nasdaq National Market under
the symbol "FBAN."

As a bank holding company, the principal source of funds for the payment of
F.N.B. Common Stock dividends are dividends received by F.N.B. from its
subsidiaries. Various federal and state statutes, regulations and guidelines
limit the amount of dividends these subsidiaries may pay to F.N.B. and for that
reason may limit the amount of dividends F.N.B. can pay to the holders of F.N.B.
Common Stock.

F.N.B. provides a more detailed description of its current business, including
an overview of the regulatory environment within which its financial institution
and consumer finance subsidiaries operate, in its annual report on Form 10-K
filed with the Securities and Exchange Commission ("SEC") and incorporated by
reference herein. A copy of F.N.B.'s most recent annual report on Form 10-K or
any of the other documents incorporated by reference herein can be obtained
without charge, by contacting F.N.B. Shareholder Services at (888) 441-4362 or
by written request to: F.N.B. Shareholder Services, P.O. Box 11929, Naples,
Florida 34101-1129. (Also see "Available Information/Incorporation of Documents
by Reference" on Page 13.)

- --------------------------------------------------------------------------------

NEITHER THE SECURITIES AND EXCHANGE COMMISSION NOR ANY STATE SECURITIES
REGULATORS HAVE DETERMINED IF THIS PROSPECTUS IS ACCURATE OR ADEQUATE. ANY
REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.

- --------------------------------------------------------------------------------

                                       1
<PAGE>   5

                               SUMMARY OF THE PLAN

[ ] ENROLLMENT: Persons who are not already F.N.B. shareholders can enroll in
the Plan by making an initial cash investment of $1,000 in the Plan. Current
shareholders can enroll in the Plan by making an initial cash investment of
$1,000 or by enrolling $1,000 worth of F.N.B. stock in the Plan. Existing F.N.B.
shareholders and new shareholders can enroll by submitting a completed
Enrollment Form. If your shares are held in a brokerage account, you may
participate directly in the Plan by arranging to have some or all of your shares
issued in your own name and then enrolled with the Plan in your name.

[ ] REINVESTMENT OF DIVIDENDS: After you are enrolled in the Plan, you can
reinvest all or a portion of the cash dividends payable on your shares of F.N.B.
Common and Preferred Stock held in the Plan toward the purchase of additional
shares of F.N.B. Common Stock WITHOUT PAYING ANY BROKERAGE COMMISSIONS.

[ ] OPTIONAL CASH PURCHASES: After you are enrolled in the Plan, you can buy
additional shares of F.N.B. Common Stock without paying any commissions. You can
invest a minimum of $50 at any one time, up to a maximum of $10,000 in the
aggregate per calendar quarter. You can pay by check or have your payments
automatically withdrawn from your bank account.

[ ] FULL REINVESTMENT: Full reinvestment of your dividends is possible because
the Corporation will credit your account with both whole and fractional shares.
F.N.B. pays dividends on both whole shares and fractional shares.

[ ] SAFEKEEPING OF CERTIFICATES: As a Participant in the Plan, you can deposit
your F.N.B. Common Stock certificates enrolled in the Plan as well as
certificates not enrolled in the Plan with F.N.B. Shareholder Services for
safekeeping at no cost to you. A certificate for your shares will be sent to
you, free of charge, upon request at any time.

[ ] GIFTS OR TRANSFERS OF SHARES: You can gift or transfer your F.N.B. shares
held in the Plan to others.

[ ] SELL SHARES CONVENIENTLY: If you choose to have the Plan Administrator
arrange to sell shares of F.N.B. Common Stock held in your Plan account, you may
pay fees lower than those typically charged by brokers.

[ ] TRACKING YOUR INVESTMENT: You will receive a quarterly statement for each
quarter in which your account has activity summarizing year-to-date activity,
including dividend reinvestments, purchases, sales and certificate
withdrawals/transfers. The statement will consolidate all shares held by you in
the Plan in certificate form. All participants receive an annual statement for
each calendar year in which they participate in the Plan.

                                       2
<PAGE>   6

                            ADMINISTRATOR OF THE PLAN

F.N.B. has designated its wholly-owned subsidiary, First National Bank of Naples
(the "Administrator" or "F.N.B. Shareholder Services"), to administer the Plan
and act as Agent for the Participants. The Administrator will arrange for
purchases and sales to be made and will hold shares for Plan Participants, keep
records, mail statements and perform other duties required by the Plan. However,
during certain periods the Administrator will not effect any purchases of F.N.B.
Common Stock for Plan Participants, but rather, an independent broker which is
not affiliated with F.N.B. or the Administrator (the "Independent Broker")
appointed by F.N.B. Shareholder Services will effect such purchases. (See
"Purchase of Shares Through the Plan" on Page 7 and "Independent Broker" on Page
8.)

THE ADMINISTRATOR MAY BE CONTACTED AT THE FOLLOWING ADDRESS AND TELEPHONE
NUMBER:

                           F.N.B. SHAREHOLDER SERVICES
                                 P.O. BOX 11929
                              NAPLES, FL 34101-1129

                             TELEPHONE: 888-441-4362
                                FAX: 941-436-1673

                                   ENROLLMENT

Any person, whether or not such person currently owns F.N.B. Common Stock,
meeting the requirements outlined below is eligible to participate in the Plan.
(Persons participating in the Plan are referred to in this Prospectus as
"Participants".) If you live outside the United States, you should first
determine if there are any governmental regulations that would prohibit your
participation in the Plan.

- ->       IF YOU DO NOT CURRENTLY OWN ANY F.N.B. COMMON STOCK, you can join the
         Plan by making an initial investment of at least $1,000, but not more
         than $10,000. You can join the Plan by returning a completed Enrollment
         Form to F.N.B. Shareholder Services along with your check or money
         order payable to F.N.B. Shareholder Services. F.N.B. Shareholder
         Services will arrange for the purchase of shares for your account but
         will not pay interest on amounts held pending investment. You should
         allow two weeks for your account to be established and initial shares
         to be purchased. (See "Purchase of Shares Through the Plan" on Page 7
         and "Independent Broker" on Page 8.)

- ->       IF YOU ALREADY OWN F.N.B. COMMON STOCK AND THE SHARES ARE REGISTERED IN
         YOUR NAME, you may join the Plan by returning a completed Enrollment
         Form to F.N.B. Shareholder Services and either making an initial cash
         investment of $1,000 or enrolling $1,000 worth of F.N.B. stock in the
         Plan.

                                       3
<PAGE>   7
- ->       IF YOU ALREADY OWN F.N.B. STOCK AND SUCH STOCK IS HELD IN A "STREET
         NAME" THROUGH A BROKERAGE, BANK OR OTHER INTERMEDIARY ACCOUNT, you may
         join the Plan by transferring at least $1,000 worth of your F.N.B.
         Common Stock to the Plan. To do so, you must request that your broker
         arrange to have some or all of your stock registered in your name and
         submit an Enrollment Form to F.N.B. Shareholder Services requesting
         that such stock be transferred to the Plan. F.N.B. Shareholder
         Services, upon receipt of a properly completed Enrollment Form, will
         assist you in the transfer of those shares specified by you for
         enrollment in and credit to your account under the Plan. Your
         participation in the Plan will commence when the shares of F.N.B.
         Common Stock are received by F.N.B. Shareholder Services from the
         transferring broker.

- ->       ELIGIBLE EMPLOYEES OF F.N.B. OR ANY OF ITS AFFILIATES NOT CURRENTLY
         ENROLLED IN THE EXISTING PLAN may enroll in the Plan by completing the
         Enrollment Form and, if they wish to make purchases through payroll
         deduction, by signing a Payroll Deduction Authorization Form and
         returning the forms to the Personnel Department of the affiliate with
         which they are employed. Participation by employee Participants
         electing the payroll deduction option will begin on the first payroll
         date after the Personnel Department has received the completed forms.
         Employees may also participate without payroll deduction by forwarding
         an initial payment of at least $50 along with their Enrollment Form. In
         addition, advisory or emeritus directors of F.N.B. or an affiliate of
         F.N.B. may enroll in the Plan and apply fees payable to them in such
         capacity to the purchase of shares under the Plan without compliance
         with minimum investment requirements.


                               INVESTMENT OPTIONS

Once enrolled in the Plan, you will have the following options for acquiring
additional shares of F.N.B. Common Stock through the Plan:

- ->       DIVIDEND REINVESTMENT: You may choose to reinvest all or a portion of
         such cash dividends paid on your shares toward the purchase of
         additional shares of F.N.B. Common Stock. You may change your dividend
         reinvestment election at any time EXCEPT between record and payable
         dates for the current dividend by notifying F.N.B. Shareholder Services
         (see Enrollment Form). For a particular dividend to be reinvested, your
         notification must be received prior to the record date for that
         dividend (the record date is normally two (2) weeks prior to the
         dividend payment date).

         If you elect to reinvest your dividends, you must choose one of the
         following when completing the Dividend Reinvestment section of the
         Enrollment Form:

- -------------------------------------------------------------------------------

                           FULL DIVIDEND REINVESTMENT

- -------------------------------------------------------------------------------
Purchase additional shares by reinvesting all of your cash dividends.
- -------------------------------------------------------------------------------
                          PARTIAL DIVIDEND REINVESTMENT
- -------------------------------------------------------------------------------
If you choose to reinvest less than all of your dividends, you must select one
of the following options identified in the Plan Enrollment Form:
- -------------------------------------------------------------------------------

                                       4
<PAGE>   8
- -------------------------------------------------------------------------------
OPTION 1. Receive a cash dividend payment based on the number of full shares you
specify. Reinvest the dividends on all remaining shares. This option allows you
to receive a fixed amount of cash each quarter (assuming that the dividend paid
on the Common Stock by F.N.B. is the same in each quarter).

OPTION 2. Reinvest dividends based on the number of full shares you specify.
Receive a cash dividend payment on all remaining shares. This option allows you
to receive an increasing amount of cash each quarter (again, assuming that the
dividend paid by F.N.B. is the same in each quarter).

See "Miscellaneous - Future Dividends" for a discussion of certain factors which
may affect future payment of dividends by F.N.B.
- -------------------------------------------------------------------------------

- -------------------------------------------------------------------------------
                            NO DIVIDEND REINVESTMENT
- -------------------------------------------------------------------------------
You may have all of your cash dividends remitted to you by check (via U.S. Mail)
or ACH.
- -------------------------------------------------------------------------------


- ->       OPTIONAL CASH INVESTMENTS: You can make your initial purchase of F.N.B.
         shares to enroll in the Plan or purchase additional shares of F.N.B.
         Common Stock by using the Plan's optional cash investment feature and
         completing the appropriate part of the Enrollment Form. Following your
         initial purchase of F.N.B. Plan shares, you must invest at least $50 at
         any one time and cannot invest more than $10,000 in a calendar quarter.
         Interest will not be paid on amounts held pending investment. You may
         make your optional cash investments by either of the following three
         methods:

         (1)      BY AUTOMATIC WITHDRAWAL FROM YOUR BANK ACCOUNT: If you wish to
                  make regular purchases, you may authorize an automatic
                  withdrawal from your bank account by completing the
                  appropriate part of the Enrollment Form. This feature enables
                  you to make ongoing investments without writing a check. Funds
                  may be automatically deducted from your account on a monthly
                  basis on the 1st day of the month or on a semi-monthly basis
                  on the 1st and 15th day of each month. If these dates fall on
                  a bank holiday or weekend, funds will be deducted on the next
                  business day. Please allow four to six weeks for the first
                  automatic monthly withdrawal to be initiated. You must notify
                  F.N.B. Shareholder Services in writing to change or terminate
                  automatic withdrawal.

         (2)      BY CHECK OR MONEY ORDER: You may make optional cash purchases
                  at any time by sending a check or money order payable to
                  F.N.B. Shareholder Services. Do not send cash. To facilitate
                  processing of your purchase order, please use the transaction
                  stub located on the bottom of your statement. Mail your
                  payment and transaction stub to the address specified on the
                  statement. You may not sell or withdraw shares

                                       5
<PAGE>   9
                  purchased by check for a period of 14 days from the receipt of
                  the check. A fee will be assessed and automatically deducted
                  from your account for a check that is returned or failed ACH
                  debit due to insufficient funds.

         (3)      BY PAYROLL DEDUCTION BY ELIGIBLE EMPLOYEES OF F.N.B. OR ITS
                  AFFILIATES: The minimum contribution amounts described in this
                  Prospectus under the subheading entitled "Enrollment" (see
                  Page 3) is not applicable to contributions made by Employee
                  Participants through payroll deduction or to purchases by
                  advisory or emeritus directors of F.N.B. or its affiliates.
                  Employees of F.N.B. or its affiliates may elect to make
                  regular purchases under the Plan by authorizing an automatic
                  deduction from their paychecks. The minimum payroll deduction
                  permitted is $10 per pay period, and payroll deductions may be
                  authorized in any amount in excess of the $10 minimum
                  deduction so long as it is a multiple of $5. However, Employee
                  Participants who elect to make voluntary cash purchases, but
                  do not elect payroll deduction, are subject to the minimum and
                  maximum contribution amounts applicable to Plan Participants
                  generally as described in this Prospectus under the subheading
                  entitled "Enrollment" (see Page 3).

                  An Employee Participant may increase or decrease the amount of
                  or discontinue his or her authorized payroll deduction at any
                  time by completing and signing the appropriate form and
                  returning it to the Personnel Department.

                       PURCHASE OF SHARES THROUGH THE PLAN

- ->       PURCHASE INTERVALS: Initial and optional cash investments made by Plan
         Participants  will be used to purchase F.N.B. shares as promptly as
         practical, but in any event at least once a week (assuming the market
         is open for trading). Reinvested dividends will be used to purchase
         shares  on each  dividend payment date.

- ->       SOURCE AND PRICING OF SHARES:

         SOURCE OF SHARES: F.N.B. Shareholder Services or, if an Independent
         Broker is being used, the Independent Broker will acquire shares needed
         to effect purchases under the Plan (including both shares purchased
         upon reinvestment of dividends and shares purchased with voluntary cash
         payments) either by purchasing them in the open market or by purchasing
         stock issued directly by F.N.B. from authorized but unissued shares or
         treasury shares. If an Independent Broker is being used to purchase
         shares for Plan Participants, the Independent Broker will purchase all
         shares in the open market.

                  SHARES PURCHASED IN THE OPEN MARKET: If the shares are
                  purchased in the open market, your price per share will be the
                  weighted average purchase price paid for all shares purchased
                  for Plan Participants in the

                                       6
<PAGE>   10
                  open market on the Nasdaq National Market on the day the
                  shares are purchased. Commissions and other fees incurred by
                  the Plan for such purchases will be paid by F.N.B. and will be
                  reported to you as taxable income. All fractional shares are
                  calculated to three decimals and are credited to your account
                  in book entry form.

                  SHARES PURCHASED FROM F.N.B.: If the shares are purchased
                  directly from F.N.B., your price per share for initial and
                  optional cash purchases will be the average of the closing bid
                  and ask prices quoted on the Nasdaq National Market on the day
                  the shares are purchased. For quarterly reinvestment of
                  dividends, your price per share will be the average of the
                  closing bid and ask prices quoted on the Nasdaq National
                  Market on the dividend payment date. If F.N.B. Common Stock
                  does not trade on the Nasdaq National Market for a substantial
                  period of time during the pricing period, then the price per
                  share will be determined by F.N.B. on the basis of such market
                  quotations as it considers appropriate.

- ->       TIMING AND CONTROL: During certain periods, purchases of shares on
         behalf of the Plan may be effected by an Independent Broker, and in all
         cases the purchase price per share will be determined based on the
         market value of F.N.B. stock on the date of purchase. Accordingly,
         neither F.N.B. Corporation, F.N.B. Shareholder Services nor any
         Participant in the Plan has the authority or power to control either
         the timing (except to the extent F.N.B. Shareholder Services effects
         purchases) or pricing of shares purchased. Therefore, you will not be
         able to precisely time your purchases through the Plan and you will
         bear the market risk associated with fluctuations in the price of
         F.N.B. Common Stock. You should be aware that when you send in an
         initial or optional cash investment, the market price of F.N.B. Common
         Stock may move up or down between the time you send in your order and
         the time your funds are used to purchase stock. Moreover, because the
         price charged to Participants for shares purchased in the open market
         or in negotiated transactions is the weighted average purchase price
         for all shares acquired on the Nasdaq National Market on the day the
         shares are actually purchased (in the case of open market purchases) or
         the average of the closing bid and ask prices on the Nasdaq National
         Market on the day the shares are actually purchased (in the case of
         purchases from F.N.B.), Participants could pay a higher price for
         shares purchased under the Plan than for shares purchased on the
         investment date outside the Plan.

- ->       NO INTEREST PENDING INVESTMENT: No interest is paid on initial or
         optional cash investments pending the investment of such amounts in
         F.N.B. Common Stock.

                                       7
<PAGE>   11

                               INDEPENDENT BROKER

Purchases of shares of F.N.B. Common Stock for Plan Participants may, at the
discretion of F.N.B., be effected by F.N.B. Shareholder Services or by an
Independent Broker appointed by F.N.B. Shareholder Services. The following
provisions will apply whenever, at the discretion of F.N.B., the functions
relating to purchase of shares of F.N.B. Common Stock for Plan Participants are
being performed by an Independent Broker:

For periods in which all purchases of shares for the accounts of Plan
Participants are to be effected by an Independent Broker, the Independent Broker
will purchase all such shares in the open market. Neither F.N.B. nor F.N.B.
Shareholder Services nor any other affiliate of F.N.B. may exercise any control
over the number of shares to be purchased for the Plan by the Independent Broker
(which number will be determined by the Independent Broker based on the number
of shares required to fund dividend reinvestment for Participants or optional
cash purchases by Plan Participants since the most recent purchase of shares by
the Independent Broker for Plan Participants); the price at which such shares
are purchased; the timing of purchases (except for the Plan provisions requiring
purchases to occur at least weekly or, in the case of purchases to fund dividend
reinvestment, on each dividend date); the manner in which shares are purchased;
or the selection of any broker or dealer (other than the Independent Broker)
through which purchases may be effected. Further, F.N.B. may not amend the Plan
provisions relating to the purchase price of shares or the timing of purchases.

                       SALE OF SHARES HELD UNDER THE PLAN

You may sell any number of shares held in your Plan account by notifying F.N.B.
Shareholder Services. F.N.B. Shareholder Services will arrange for sales to be
made at least weekly. The sale price for a given Plan Participant will be the
average sale price for all shares sold for Plan Participants on the date the
Plan Participant's shares are sold. All Participants will receive the proceeds
of the sale less a sales transaction fee, applicable brokerage commission, and
any required tax withholdings. (See "Plan Service Fees" on Page 11.)

You may choose to have your shares sold through a stockbroker of your choice, in
which case you should request a certificate for your shares from F.N.B.
Shareholder Services. (See "Issuance of Certificates" on Page 10.)

Please note that if you do not purchase shares in the Plan by automatic
withdrawal or payroll deduction and your total holdings in the Plan fall below a
minimum number of shares as may be established by F.N.B. Shareholder Services
from time to time), F.N.B. Shareholder Services may in its discretion liquidate
the balance of shares in your Plan account and remit the proceeds to you, less
any applicable fees, and close your Plan account.

                                       8
<PAGE>   12
TIMING AND CONTROL: Because F.N.B. Shareholder Services will sell the shares on
behalf of the Plan, neither F.N.B. Corporation nor any Participant in the Plan
has the authority or power to control the timing or pricing of shares sold.
Therefore, you will not be able to precisely time your sales through the Plan,
and will bear the market risk associated with fluctuation in the price of
F.N.B.'s Common Stock. In other words, when you send in a request to sell
shares, the market price of F.N.B. Common Stock may go down or up between the
time you send in your order and the time the broker sells your shares.

              SAFEKEEPING OF YOUR STOCK CERTIFICATES AND BOOK ENTRY

Shares of F.N.B. Common Stock purchased for your account under the Plan will be
maintained in your Plan account for safekeeping in book entry form
("safekeeping") (see Enrollment Form). You will receive a quarterly statement
detailing the status of your holdings. For more information, see "Tracking Your
Investments" on Page 11. Any F.N.B. shareholder may use the Plan's safekeeping
service to deposit their F.N.B. Common Stock certificates at no cost without
being required to reinvest dividends or to make optional cash purchases.
Safekeeping is beneficial because you greatly reduce the risk and cost
associated with the loss, theft, or destruction of your stock certificates. If
your shares are held by the Plan in safekeeping, you will have the option of
receiving cash dividends, reinvesting your dividends or taking advantage of the
sale of shares and gift feature of the Plan. Certificates for shares held in
book entry form under the Plan will be issued only upon written request to
F.N.B. Shareholder Services. (See "Issuance of Certificates" on Page 10.)

To use the Plan's safekeeping service, send your certificates to F.N.B.
Shareholder Services by registered mail with written instructions to deposit
them in safekeeping. Do not endorse the certificate or complete the assignment
section. Each Participant bears full risk of loss in the event his or her
certificates are lost prior to receipt by F.N.B. Shareholder Services.

                          GIFTS OR TRANSFERS OF SHARES

YOU CAN GIVE OR TRANSFER F.N.B. SHARES TO ANYONE YOU CHOOSE BY THE FOLLOWING
METHODS:

        ->      Making an initial $1,000 cash or share value investment to
                establish an account in the recipient's name; or

        ->      Submitting an optional cash investment on behalf of an existing
                Participant in the Plan in an amount not less than $50 nor more
                than $10,000 per calendar quarter; or

        ->      Transferring shares from your account to the recipient; or

                                       9
<PAGE>   13
        ->      Authorizing an automatic withdrawal from your bank account of a
                specified amount (not less than $1,000 initially and $50
                subsequently) to be contributed to the recipient's Plan account.

Plan shares transferred to another person's Plan account are subject to
compliance with any applicable laws. To do this, you must have your signature
guaranteed by a financial institution participating in the Medallion Guarantee
Program and return the executed stock assignment to F.N.B. Shareholder Services.
The Medallion Guarantee Program ensures that the individual signing the
certificate is in fact the registered owner as it appears on the stock
certificate or stock power. Stock assignments can be obtained from F.N.B.
Shareholder Services. If the person to whom the shares are gifted or transferred
is not a Participant in the Plan, F.N.B. Shareholder Services will open an
account for the person and enroll them in the Plan upon receipt of a completed
Enrollment Form.

Participants may not pledge or grant a security interest in Plan shares or
transfer Plan shares outside of the Plan unless certificates representing the
shares have been issued by F.N.B. Shareholder Services.

If you need additional assistance, please call F.N.B. Shareholder Services at
888-441-4362.

                            ISSUANCE OF CERTIFICATES

You can withdraw all or some of the shares from your Plan account by notifying
F.N.B. Shareholder Services. Your withdrawal of shares will take effect upon
receipt of written notice from you by F.N.B. Shareholder Services. Certificates
will be issued for whole shares only. In the event your request involves
withdrawal of a fractional share, a check (less any applicable fees) for the
value of the fractional share as of the date of certification will be mailed to
you. You should receive your certificate and any accompanying check within two
to three weeks of receipt of your request.

Certificates will be issued in the name(s) in which the account is registered
unless otherwise instructed. If the certificate is issued in a name other than
the name(s) in which your Plan account is registered, the signature on the
instructions or stock power must be guaranteed by a financial institution
participating in the Medallion Guarantee Program, as described above.


                                       10
<PAGE>   14
                                PLAN SERVICE FEES

ENROLLMENT FEE....................................................... No Charge
PURCHASE OF SHARES....................................................No Charge
SALE OF SHARES (partial or full):
         Transaction Fee............................$10.00 per sale transaction
REINVESTMENT OF DIVIDENDS.............................................No Charge
OPTIONAL CASH INVESTMENTS VIA CHECK OR AUTOMATIC INVESTMENT...........No Charge
GIFT OR TRANSFER OF SHARES............................................No Charge
SAFEKEEPING OF STOCK CERTIFICATES.....................................No Charge
CERTIFICATE ISSUANCE..................................................No Charge
RETURNED CHECKS AND FAILED ACH DEBITS (DUE TO INSUFFICIENT FUNDS)........$30.00
ORIGINAL STATEMENTS...................................................No Charge
DUPLICATE STATEMENTS
         Current year.................................................No Charge
         Prior calendar year periods................$10.00 flat fee per request

The above-described Plan Service Fees are subject to change from time to time by
F.N.B. F.N.B. Shareholder Services will deduct the applicable fees and/or
commissions from either cash being held pending investment or proceeds from a
sale.

                            TRACKING YOUR INVESTMENTS

All Participants in the Plan, regardless of the absence of account activity
during the prior calendar year, will receive an annual account statement.
Participants whose account has some activity (dividend reinvestment, purchase or
sale of shares or enrollment or withdrawal of shares) in any quarter will
receive a quarterly statement generally within forty-five (45) days after the
end of such quarter. If your Plan account has no activity during any calendar
quarterly period, you will not receive a statement until the next calendar
quarter in which your account has activity. The statements will list information
as to all transactions (shares purchased, sold, deposited or transferred in
previous quarters plus applicable purchase and sale prices, aggregate shares
owned in the Plan, etc.) for your account including year-to-date and other
account information. Additionally, as soon as practicable following an optional
cash purchase, sale of shares, gift, transfer or withdrawal of shares, the
Participant will receive a detailed confirmation of the transaction.

Since you are responsible for maintaining your own record of the cost basis of
the certificated shares deposited with F.N.B. Shareholder Services, you are
urged to retain your statements to establish the cost basis of shares purchased
under the Plan for income tax and other purposes.

You should notify F.N.B. Shareholder Services promptly in writing of any change
in your name or address since all notices, statements and reports will be mailed
to you at your address of record.

                                       11
<PAGE>   15
                       U.S. FEDERAL INCOME TAX INFORMATION

DIVIDEND INCOME AND TAX BASIS FOR PARTICIPATING SHAREHOLDERS
The fair market value of the shares acquired by a Participant through
reinvestment of dividends will be includible in the Participant's gross income
unless notified otherwise by the Corporation. The fair market value of such
shares is measured as of the date when the shares are credited to the
Participant's account. (See "Purchase of Shares Through the Plan" on Page 7.)
The Participant's tax basis of such shares will be equal to the fair market
value of such shares on the date the shares are credited to the Participant's
account.

TAX BASIS OF SHARES PURCHASED WITH VOLUNTARY CASH PAYMENTS
The tax basis of shares purchased with voluntary cash payments will be equal to
the amount of the optional payment made by the Participant.

HOLDING PERIOD
The holding period for Common Stock purchased through dividend reinvestment or
optional cash payments begins on the date following the day on which the shares
are credited to the shareholder's account.

DIVIDEND WITHHOLDING
In the case of any shareholder as to whom federal income tax withholding on
dividends is required and in the case of a foreign shareholder whose taxable
income under the Plan is subject to federal income tax withholding, the
Corporation will reinvest dividends net of the amount of tax required to be
withheld.

OTHER
Participants should consult their own tax advisors for the tax consequences of
account transactions. Certain tax information will be provided to Participants
by the Plan Administrator. In addition, employee Participants holding restricted
shares issued under a benefit plan of the Corporation imposing vesting, holding
period or other restrictions on shares issued under such plan (a "Stock Plan")
should refer to the Prospectus relating to the applicable Stock Plan for a
discussion of the tax consequences of ownership of and transactions with respect
to such shares.

                                  MISCELLANEOUS

AVAILABLE INFORMATION/INCORPORATION OF DOCUMENTS BY REFERENCE
F.N.B. files annual, quarterly and other reports, proxy statements and other
information with the SEC. You may read and copy any reports, statements or other
information F.N.B. files at the SEC's public reference rooms in Washington,
D.C., New York, New York, and Chicago, Illinois. Please call the SEC at
800-SEC-0330 for further information on the public reference rooms. F.N.B.'s SEC
filings are also available to the public from commercial documents retrieval
services, at the website maintained by the SEC at "http://www.sec.gov."

                                       12
<PAGE>   16
The SEC allows F.N.B. to "incorporate by reference" the information it files
with it, which means that we can disclose important information to you by
referring you to those documents. The information incorporated by reference is
considered to be part of this prospectus, and later information filed with the
SEC will update and supersede this information. The documents listed below and
any future filings made with the SEC under Section 13(a), 13(c), 14, or 15(d) of
the Securities Exchange Act of 1934 until the Plan is terminated comprise the
incorporated documents:

        (1)     F.N.B.'s Annual Report on Form 10-K for the fiscal year ended
                December 31, 1999;

        (2)     F.N.B.'s Quarterly Report on Form 10-Q for the quarter ended
                March 31, 2000; and

        (3)     The description of the Common Stock of F.N.B. set forth in
                Pre-Effective Amendment No. 1 to F.N.B.'s registration statement
                on Form S-4, No. 333 - 40187, filed December 1, 1997.

Upon request, F.N.B. will provide, without charge, a copy of any or all of the
documents incorporated by reference in this document (other than exhibits to the
documents, unless the exhibits are specifically incorporated by reference). Your
requests for copies should be directed to F.N.B. Shareholder Services, P.O. Box
11929, Naples, FL 34101-1129. Telephone: 888-441-4362.

STOCK SPLITS, STOCK DIVIDENDS AND OTHER DISTRIBUTIONS
In the event dividends are paid in F.N.B. Common Stock, or if F.N.B. Common
Stock is distributed in connection with any stock split or similar transaction,
each Plan account will be adjusted to reflect the receipt of the F.N.B. Common
Stock so paid or distributed.

VOTING OF PROXIES
F.N.B. will mail you proxy materials including a proxy card representing both
the shares for which you hold certificates and the shares, full and fractional,
held in your Plan account. The proxy will be voted as indicated by you. If you
do not return the proxy card or if you return it unsigned, your shares will not
be voted.

RESPONSIBILITY OF ADMINISTRATOR AND F.N.B. CORPORATION
Neither F.N.B. Corporation nor F.N.B. Shareholder Services nor any Independent
Broker appointed to effect purchases under the Plan will be liable for any act
or for any omission to act except in case of willful misconduct or gross
negligence. This includes, without limitation, any claims of liability for:

        [ ]     failure to terminate your account upon your death prior to
                receiving written notice of such death; or

        [ ]     purchases or sales prices reflected in your Plan account or the
                dates of purchases or sales of your Plan shares; or

                                       13
<PAGE>   17
        [ ]     any fluctuation in the market value before or after purchase or
                sale of shares.

Neither F.N.B. Corporation nor F.N.B. Shareholder Services can assure you a
profit or protect you against a loss on the shares you purchase under the Plan.

FUTURE DIVIDENDS
The payment of dividends is at the discretion of F.N.B.'s Board of Directors and
will depend upon future earnings, the financial condition of F.N.B. and other
factors. The Board may change the amount and timing of dividends at any time
without notice. As a bank holding company, the principal source of funds for the
payment of F.N.B. Common Stock dividends are dividends received by F.N.B. from
its subsidiaries. Various federal and state statutes, regulations and guidelines
limit the amount of dividends these subsidiaries may pay to F.N.B. and for that
reason may limit the amount of dividends F.N.B. can pay to the holders of F.N.B.
Common Stock.

USE OF PROCEEDS
The proceeds (if any) to the Corporation from the sale of shares of F.N.B.
Common Stock pursuant to the Plan will be used for general corporate purposes,
including investments in and advances to its subsidiaries.

LEGAL MATTERS
The law firm of Cohen & Grigsby, P.C., Pittsburgh, Pennsylvania, rendered an
opinion regarding the validity of the F.N.B. Common Stock covered by this
Prospectus.

PLAN MODIFICATION OR TERMINATION
F.N.B. and/or F.N.B. Shareholder Services reserve the right to change any
administrative procedures of the Plan at any time. F.N.B. also reserves the
right to amend, modify, suspend or terminate the Plan at any time. You will
receive notice of any such suspension, modification or termination.

CHANGE OF ELIGIBILITY; TERMINATION
F.N.B. reserves the right to deny, suspend or terminate participation by a
Participant who is using the Plan for purposes inconsistent with the intended
purpose of the Plan. In such event, F.N.B. Shareholder Services will notify you
in writing and will continue to safekeep your shares but will no longer accept
optional cash investments or reinvest your dividends. F.N.B. Shareholder
Services will issue a certificate to you upon written request.


                                       14
<PAGE>   18
FOREIGN PARTICIPATION
If you live outside of the U.S., you should first determine if there are any
laws or governmental regulations that would prohibit your participation in the
Plan, including laws or regulations of the country in which you reside. F.N.B.
reserves the right to terminate participation of any Participant if it deems it
advisable under any foreign laws or regulations.

EXPERTS
The consolidated financial statements of F.N.B. at December 31, 1999 and 1998,
and for each of the three years in the period ended December 31, 1999, have been
audited by Ernst & Young LLP, in dependent auditors, as set forth in their
report thereon, incorporated by reference in F.N.B.'s Annual Report on Form 10-K
dated March 13, 2000, and incorporated herein by reference. As to 1998, their
report is based, in part, on the report of Bobbitt, Pittenger & Company, P.A.,
independent auditors, who audited Guaranty Bank & Trust Company. As to 1997,
their report is based, in part, on the reports of Hacker, Johnson, Cohen & Grieb
PA, independent auditors, who audited Seminole Bank and Citizens Holding
Corporation and Bobbitt, Pittenger & Company, P.A., independent auditors, who
audited Guaranty Bank & Trust Company.

The financial statements referred to above are incorporated herein by reference
in reliance upon such reports given upon the authority of such firms as experts
in accounting and auditing.


                                       15
<PAGE>   19
                                     PART II

INFORMATION NOT REQUIRED IN PROSPECTUS

Item 14.          OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION

                  The following expenses will be incurred in connection with the
issuance and distribution of the securities being registered:

                  Securities and Exchange Commission
                  Registration Fee                                    $   987.00

                  Blue Sky fees and expenses                          $     0.00

                  Costs of printing                                   $ 6,000.00

                  Legal fees and expenses                             $ 4,000.00

                  Accounting fees and expenses                        $ 5,000.00

                  Miscellaneous expenses                              $ 1,000.00

                           TOTAL                                      $16,987.00
                                                                      ==========

ITEM 15.          INDEMNIFICATION OF DIRECTORS AND OFFICERS

                  Numbered Paragraph 6.b. of the Restated Articles of
Incorporation of F.N.B. Corporation provides as follows:

                  Directors and Officers of the Corporation shall be indemnified
        as of right to the fullest extent now or hereafter permitted by law in
        connection with any actual or threatened action, suit or proceedings,
        civil, criminal, administrative, investigative or other (whether brought
        by or in the right of the Corporation or otherwise), arising out of
        their service to the Corporation or to another organization at the
        request of the Corporation, or because of their positions with the
        Corporation. Persons who are not Directors or Officers of the
        Corporation may be similarly indemnified in respect of such service to
        the extent authorized at any time by the Board of Directors of the
        Corporation. The Corporation may purchase and maintain insurance to
        protect itself and any such Director, Officer or other person against
        any liability, cost or expense asserted against or incurred by him in
        respect of such service, whether or not the Corporation would have the
        power to indemnify him against such liability by law or under the
        provisions of this paragraph. The provisions of this paragraph shall be
        applicable to persons who have ceased to be Directors or Officers, and
        shall inure to the benefit of the heirs, executors and administrators of
        persons entitled to indemnity hereunder.

                  Article IX of the Bylaws of F.N.B. Corporation provides that
the Corporation shall indemnify each director and officer of the Corporation and
of its controlled subsidiaries made or threatened to be made a party to any
civil, criminal, administrative or investigative action, suit or proceeding
(whether brought by or in the name of the Corporation or otherwise) arising out
of such director's or officer's service to the Corporation or to another
organization at the Corporation's request against all expenses (including
attorneys' fees), judgments, fines and amounts paid in settlement actually and
reasonably incurred by such director and officer in connection with such action,
suit or proceeding. Indemnification shall not be made with respect to actions,
suits or proceedings where the act or omission giving rise to the claim for
indemnification has been determined to have constituted willful misconduct or
recklessness or where prohibited by law. In addition, expenses incurred by each
director and officer in defending any such action, suit or proceeding, shall be
paid by the Corporation in advance of the final disposition of such action, suit
or proceeding if an undertaking (in form and scope satisfactory to the
Corporation) shall have been furnished to the Corporation to repay amounts so
advanced if and to the extent it shall ultimately be determined
<PAGE>   20
that such officer or director is not entitled to indemnification and certain
other conditions shall have been satisfied. The Corporation may purchase and
maintain insurance, create a fund of any nature, grant a security interest or
otherwise secure or insure in any manner its indemnification obligations.

                  Section 1741 of the Pennsylvania Business Corporation Law
provides that a corporation shall (subject to the provisions described in the
second succeeding paragraph) have the power to indemnify any person who was or
is a party, or is threatened to be made a party, to any threatened, pending or
completed action, suit or proceeding, whether civil, criminal, administrative or
investigative (other than an action by or in the right of the corporation), by
reason of the fact that such person is or was a director, officer, employee or
agent of the corporation, or is or was serving at the request of the corporation
as a director, officer, employee or agent of another corporation, partnership,
joint venture, trust or other enterprise, against expenses (including attorneys'
fees), judgments, fines and amounts paid in settlement actually and reasonably
incurred by such person in connection with such action, suit or proceeding if
such person acted in good faith and in a manner he reasonably believed to be in,
or not opposed to, the best interests of the corporation, and, with respect to
any criminal action or proceeding, had no reasonable cause to believe his
conduct was unlawful. The termination of any action, suit or proceeding by
judgment, order, settlement, conviction, or upon a plea of nolo contendere or
its equivalent, shall not, of itself, create a presumption that such person did
not act in good faith and in a manner which he reasonably believed to be in, or
not opposed to, the best interests of the corporation, and, with respect to any
criminal proceeding, had reasonable cause to believe that his conduct was
unlawful.

                  Section 1742 of the Pennsylvania Business Corporation Law
provides that a corporation shall (subject to the provisions described in the
succeeding paragraph) have the power to indemnify any person who was or is a
party, or is threatened to be made a party, to any threatened, pending or
completed action or suit by or in the right of the corporation to procure a
judgment in its favor by reason of the fact that such person is or was a
director, officer, employee or agent of the corporation, or is or was serving at
the request of the corporation as a director, officer, employee or agent of
another corporation, partnership, joint venture, trust or other enterprise
against expenses (including attorneys' fees) actually and reasonably incurred by
such person in connection with the defense or settlement of such action or suit
if such person acted in good faith and in a manner he reasonably believed to be
in, or not opposed to, the best interests of the corporation, except that no
indemnification shall be made in respect of any claim, issue or matter as to
which such person shall have been adjudged to be liable for negligence or
misconduct in the performance of his duty to the corporation unless, and only to
the extent that, the court of common pleas of the county in which the registered
office of the corporation is located or the court in which such action or suit
was brought shall determine upon application that, despite the adjudication of
liability but in view of all the circumstances of the case, such person is
fairly and reasonably entitled to indemnity for such expenses which the court of
common pleas or such other court shall deem proper.

                  Any such indemnification (unless ordered by a court) shall be
made by the corporation only as authorized in the specific case upon a
determination that indemnification of the director, officer, employee or agent
is proper in the circumstances because such person has met the applicable
standard of conduct. Such determination shall be made:


                  (1) By the Board of Directors by a majority vote of a quorum
          consisting of directors who were not parties to such action, suit or
          proceeding; or

                  (2) If such quorum is not obtainable, or, even if obtainable a
         majority vote of a quorum of disinterested directors so directs, by
         independent legal counsel in a written opinion; or

                  (3) By the shareholders.

                  Notwithstanding the above, Section 1743 provides that to the
extent that a director, officer, employee or agent of the corporation has been
successful on the merits or otherwise in defense of any action, suit or
proceeding referred to above, or in defense of any claim, issue or matter
therein, such person shall be indemnified against expenses (including attorneys'
fees) actually and reasonably incurred by such person in connection therewith.

                                      II-2
<PAGE>   21
                  Section 513 of the Pennsylvania Associations Code provides
that the indemnification provided pursuant to Sections 1741, 1742 and 1743 of
the Business Corporation Law shall not be deemed exclusive of any other rights
to which a person seeking indemnification may be entitled under any other bylaw,
agreement, vote of shareholders or disinterested directors or otherwise, both as
to action in such person's official capacity and as to action in another
capacity while holding office, and shall continue as to a person who has ceased
to be a director, officer, employee or agent and shall inure to the benefit of
his heirs, executors and administrators.

                  Section 1740 of the Business Corporation Law further provides
that the indemnification provisions of Sections 1741, 1742 and 1743 shall not be
deemed exclusive of any other rights to which a person seeking indemnification
or advancement of expenses may be entitled under any bylaw, agreement, vote of
shareholders, members or directors or otherwise, both as to action in his
official capacity and as to action in another capacity while holding that
office. A corporation may create a fund of any nature, which may, but need not
be, under the control of a trustee, or otherwise secure or ensure in any manner
its indemnification obligations, whether arising under or pursuant to Section
1746 or otherwise. Indemnification pursuant to Section 1746 shall not be made in
any case where the act or failure to act giving rise to the claim for
indemnification is determined by a court to have constituted willful misconduct
or recklessness.

                  Indemnification pursuant to Section 1746 under any bylaw,
agreement, vote of shareholders, members or directors or otherwise, may be
granted for any action taken or any failure to take any action and may be made
whether or not the corporation would have the power to indemnify the person
under any other provision of law except as provided in such Section 1746 and
whether or not the indemnified liability arises or arose from any threatened,
pending or completed action by or in the right of the corporation. Section 1746
declares such indemnification to be consistent with the public policy of
Pennsylvania.

                  Section 1745 of the Business Corporation Law further provides
that expenses incurred in defending a civil or criminal action, suit or
proceeding may be paid by the corporation in advance of the final disposition of
the action, suit or proceeding upon receipt of an undertaking by or on behalf of
the director, officer, employee or agent to repay such amount unless it shall
ultimately be determined that such person is not entitled to be indemnified by
the corporation.

ITEM 16.          EXHIBITS

                  The following exhibits are filed as part of this Registration
Statement:

Exhibit No.
- -----------

      4.1    The Registrant's Restated Articles of Incorporation (incorporated
             by reference to Exhibit 3.1 of the Registrant's Annual Report on
             Form 10-K for the year ended December 31, 1996).

      4.2    The Registrant's By-laws, as amended, (incorporated by reference to
             Exhibit 4 of the Registrant's report on Form 10-Q for the quarter
             ended June 30, 1994).

      4.3(a) Designation statement defining the rights of F.N.B. Corporation
             Series A - Cumulative Convertible Preferred Stock (incorporated by
             reference to Exhibit 4A of the Registrant's Form S-14 Registration
             Statement, File No. 2-96404).

      4.3(b) Designation statement defining the rights of F.N.B. Corporation
             Series B - Cumulative Convertible Preferred Stock (incorporated by
             reference to Exhibit 4.3 of the Registrant's Form S-2 Registration
             Statement File, No. 33-45888).

      4.4    The Registrant agrees to furnish to the Commission upon request
             copies of all instruments not filed herewith defining the rights of
             holders of long-term debt of the Registrant and its subsidiaries.

                                      II-3
<PAGE>   22
      5      Opinion of Cohen & Grigsby, P.C. re: legality.

      8      Opinion of Cohen & Grigsby, P.C. re: tax matters.

      23.1   Consent of Cohen & Grigsby, P.C. (included in Exhibit 5).

      23.2   Consent of Ernst & Young LLP

      23.3   Consent of Bobbitt Pittinger & Company, P.A.

      23.4   Consent of Hacker, Johnson, Cohen & Grieb PA

      24     Power of Attorney.


ITEM 17.          UNDERTAKINGS

                  The undersigned registrant hereby undertakes:

                  (1) To file, during any period in which offers or sales are
being made, a post-effective amendment to this registration statement to include
any material information with respect to the plan of distribution not previously
disclosed in the registration statement or any material change to such
information in the registration statement.

                  (2) That, for the purpose of determining any liability under
the Securities Act of 1933, each such post-effective amendment shall be deemed
to be a new registration statement relating to the securities offered therein,
and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.

                  (3) To remove from registration by means of a post-effective
amendment any of the securities being registered which remain unsold at the
termination of the offering.

                  The undersigned registrant hereby undertakes to deliver or
cause to be delivered with the prospectus, to each person to whom the prospectus
is sent or given, the latest annual report to security holders that is
incorporated by reference in the prospectus and furnished pursuant to and
meeting the requirements of Rule 14a-3 or Rule 14c-3 under the Securities
Exchange Act of 1934; and, where interim financial information required to be
presented by Article 3 of Regulation S-X are not set forth in the prospectus, to
deliver, or cause to be delivered to each person to whom the prospectus is sent
or given, the latest quarterly report that is specifically incorporated by
reference in the prospectus to provide such interim financial information.

                  Insofar as indemnification for liabilities arising under the
Securities Act of 1933 may be permitted to directors, officers and controlling
persons of the registrant pursuant to the foregoing provisions, or otherwise,
the registrant has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed
in the Act and is, therefore, unenforceable. In the event that a claim for
indemnification against liabilities (other than the payment by the registrant of
expenses incurred or paid by a director, officer or controlling person of the
registrant in the successful defense of any action, suit or proceeding) is
asserted by such director, officer or controlling person in connection with the
securities being registered, the registrant will, unless in the opinion of its
counsel the matter has been settled by controlling precedent, submit to a court
of appropriate jurisdiction the question of whether such indemnification by it
is against public policy as expressed in the Act and will be governed by the
final adjudication of such issue.

                                      II-4
<PAGE>   23
                                   SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the registrant
certifies that it has reasonable grounds to believe that it meets all of the
requirements for filing on Form S-3 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Hermitage, Commonwealth of Pennsylvania, on May 31,
2000.

                                              F.N.B. CORPORATION


                                              By: /s/ Peter Mortensen
                                                  -----------------------------
                                                  Peter Mortensen, Chairman and
                                                  Chief Executive Officer

                  Pursuant to the requirements of the Securities Act of 1933,
the registration statement has been signed by the following persons in the
capacities and on the dates indicated.

<TABLE>
<CAPTION>

<S>                              <C>                                    <C>
/s/ Peter Mortensen              Chairman, Chief Executive Officer      May 31, 2000
- ---------------------------      and Director (Principal Executive
Peter Mortensen                  Officer)

/s/ Stephen J. Gurgovits         Vice Chairman and Director             May 31, 2000
- ---------------------------
Stephen J. Gurgovits

/s/ Gary L. Tice                 President, Chief Operating Officer     May 31, 2000
- ---------------------------      and Director
Gary L. Tice

/s/ John D. Waters               Vice President and Chief Financial     May 31, 2000
- ---------------------------      Officer (Principal Accounting
John D. Waters                   Officer)


                                 Director                               May 31, 2000
- ---------------------------
W. Richard Blackwood

                                 Director                               May 31, 2000
- ---------------------------
Alan C. Bomstein
</TABLE>

                                      II-5
<PAGE>   24
<TABLE>
<CAPTION>

<S>                              <C>                                    <C>
/s/ William B. Campbell          Director                               May 31, 2000
- ---------------------------
William B. Campbell

/s/ Charles T. Cricks            Director                               May 31, 2000
- ---------------------------
Charles T. Cricks

/s/ Henry M. Ekker               Director                               May 31, 2000
- ---------------------------
Henry M. Ekker

/s/ James S. Lindsay             Director                               May 31, 2000
- ---------------------------
James S. Lindsay

/s/ Paul P. Lynch                Director                               May 31, 2000
- ---------------------------
Paul P. Lynch

                                 Director                               May 31, 2000
- ---------------------------
Edward J. Mace

                                 Director                               May 31, 2000
- ---------------------------
Robert S. Moss

                                 Director                               May 31, 2000
- ---------------------------
William A. Quinn

/s/ William J. Strimbu           Director                               May 31, 2000
- ---------------------------
William J. Strimbu

/s/ Archie O. Wallace            Director                               May 31, 2000
- ---------------------------
Archie O. Wallace

/s/ James T. Weller              Director                               May 31, 2000
- ---------------------------
James T. Weller

                                 Director                               May 31, 2000
- ---------------------------
Eric J. Werner

                                 Director                               May 31, 2000
- ---------------------------
Benjamin Wiley

                                 Director                               May 31, 2000
- ---------------------------
Donna C. Winner
</TABLE>

                                      II-6
<PAGE>   25

                                  EXHIBIT INDEX

                   (Pursuant to Item 601(a) of Regulation S-K)


Sequential
Exhibit No.                         Description                         Page No.
- -----------                         -----------                         --------

    4.1    The Registrant's Restated Articles of Incorporation
           (incorporated by reference to Exhibit 3.1 of the Registrant's
           Annual Report on Form 10-K for the year ended December 31,
           1996).

    4.2    The Registrant's By-laws, as amended, (incorporated by
           reference to Exhibit 4 of the Registrant's report on Form 10-Q
           for the quarter ended June 30, 1994).

    4.3(a) Designation statement defining the rights of F.N.B.
           Corporation Series A - Cumulative Convertible Preferred Stock
           (incorporated by reference to Exhibit 4A of the Registrant's
           Form S-14 Registration Statement, File No. 2-96404).

    4.3(b) Designation statement defining the rights of F.N.B.
           Corporation Series B - Cumulative Convertible Preferred Stock
           (incorporated by reference to Exhibit 4.3 of the Registrant's
           Form S-2 Registration Statement File No. 33-45888).

    4.4    The Registrant agrees to furnish to the Commission upon
           request copies of all instruments not filed herewith defining
           the rights of holders of long-term debt of the Registrant and
           its subsidiaries.

    5      Opinion of Cohen & Grigsby, P.C. re: legality.

    8      Opinion of Cohen & Grigsby, P.C. re: tax matters.

    23.1   Consent of Cohen & Grigsby, P.C. (included in Exhibit 5).

    23.2   Consent of Ernst & Young LLP

    23.3   Consent of Bobbitt Pittinger & Company, P.A.

    23.4   Consent of Hacker, Johnson, Cohen & Grieb PA

    24     Power of Attorney.

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5
<SEQUENCE>2
<FILENAME>0002.txt
<DESCRIPTION>OPINION OF COHEN & GRIGSBY, P.C.
<TEXT>

<PAGE>   1
                                                                     EXHIBIT 5


                              COHEN & GRIGSBY, P.C.
                                ATTORNEYS AT LAW

                                11 STANWIX STREET
                                   15TH FLOOR
                       PITTSBURGH, PENNSYLVANIA 15222-1319

                                      ----

                            TELEPHONE (412) 297-4900
                               FAX (412) 209-0672

                                  May 24, 2000

To the Board of Directors
         of F.N.B. Corporation

         We refer to the Form S-3 Registration Statement under the Securities
Act of 1933 to be filed by F.N.B. Corporation ("FNB") with the Securities and
Exchange Commission on or about May 24, 2000 relating to the issuance and sale
of up to 200,000 shares of common stock, par value $2.00 per share (the "Common
Stock"), of FNB pursuant to the F.N.B. Corporation Dividend Reinvestment and
Direct Stock Purchase Plan. We have acted as counsel to FNB in connection with
the preparation and filing of such Registration Statement, and have examined
such records, certificates and documents as we deemed relevant and necessary as
a basis for the opinion set forth below.

         Based upon the foregoing, we are of the opinion that the shares of
Common Stock to be issued, when issued in accordance with the terms of the
Registration Statement, will be validly issued, fully-paid and non-assessable
shares of Common Stock of FNB.

         We hereby consent to the reference to us in the Prospectus of FNB
constituting part of FNB's Registration Statement on Form S-3 to be filed with
the Securities and Exchange Commission registering the Common Stock, and to the
inclusion of this letter as an exhibit to the Registration Statement.

         This Opinion Letter is governed by, and shall be interpreted in
accordance with, the Legal Opinion Accord (the "Accord") of the ABA Section of
Business Law (1991) as supplemented or modified by Part I, together with the
Forward and Glossary of the Pennsylvania Third Party Legal Opinion Supplement
(the "Pennsylvania Supplement") of the PBA Section of Corporation, Banking and
Business Law (1992). As a consequence, it is subject to a number of
qualifications, exceptions, definitions, limitations on coverage and other
limitations, all as more particularly described in the Accord and the
Pennsylvania Supplement, and this Opinion Letter should be read in conjunction
therewith. Unless otherwise indicated, capitalized terms used in this Opinion
that are defined in the Accord or the Pennsylvania Supplement will have the same
meanings in this Opinion as the meanings set forth in the Accord or the
Pennsylvania Supplement, respectively (and, to the extent of a conflict between
the same, priority shall be given to the Accord and the Pennsylvania Supplement
in that order).

                                                     Yours very truly,

                                                     /s/ COHEN & GRIGSBY, P.C.
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8
<SEQUENCE>3
<FILENAME>0003.txt
<DESCRIPTION>OPINION OF COHEN & GRIGSBY, P.C.
<TEXT>

<PAGE>   1

                                                                       Exhibit 8


                              COHEN & GRIGSBY, P.C.
                                ATTORNEYS AT LAW

                                11 STANWIX STREET
                                   15TH FLOOR
                       PITTSBURGH, PENNSYLVANIA 15222-1319

                                      ----

                            TELEPHONE (412) 297-4900
                               FAX (412) 209-0672

                                  May 24, 2000


F.N.B. Corporation
One F.N.B. Boulevard
Hermitage, PA  16148

Gentlemen:

         You have requested our opinion concerning the section entitled "U.S.
Federal Income Tax Information", of the Registration Statement (described below)
prepared in connection with the Dividend Reinvestment and Direct Stock Purchase
Plan (the "Plan") of F.N.B. Corporation ("F.N.B.") pursuant to which
shareholders of F.N.B. may invest cash dividends and/or voluntary cash payments
in shares of Common Stock, par value $2.00 per share ("F.N.B. Common Stock") of
F.N.B.

         In rendering this opinion, we have examined the Form S-3 Registration
Statement under the Securities Act of 1933 which F.N.B. is preparing to file to
register the F.N.B. Common Stock available under the Plan, and we have assumed
that the Plan will be administered in accordance with the description of its
terms as contained in the Registration Statement.

         The discussion of federal income tax matters in the Registration
Statement and the opinion contained herein are based on the Internal Revenue
Code of 1986, as amended, applicable Treasury Regulations, current
administrative announcements of the Internal Revenue Service, existing judicial
decisions as of the date of the Registration Statement, and private letter
rulings of the Internal Revenue Service which may not be used or cited as
precedent, but which are instructive in understanding current Internal Revenue
Service thinking on the subject. Our opinion is not binding upon the Internal
Revenue Service, and no assurance can be given that changes in legislative,
administrative or judicial rules and interpretations will not affect the
continuing validity of the opinion. Any such changes, if adopted, may apply to
the 2000 taxable year or any subsequent taxable year of a participant in the
Plan.

         Based upon and subject to the foregoing, it is our opinion that the
discussion contained in the Registration Statement entitled "Federal Income Tax
Information" fully and fairly addresses the material federal income tax issues
relating to participation in the Plan.

         We hereby consent to the inclusion of this letter as an exhibit to the
Registration Statement.

         This Opinion Letter is governed by, and shall be interpreted in
accordance with, the Legal Opinion Accord (the "Accord") of the ABA Section of
Business Law (1991) as supplemented or modified by Part I, together with the
Forward and Glossary of the Pennsylvania Third Party Legal Opinion Supplement
(the "Pennsylvania Supplement") of the PBA Section of Corporation, Banking and
Business Law (1992). As a consequence, it is subject to a number of
qualifications, exceptions, definitions, limitations on coverage and other
limitations, all as more particularly described in the Accord and the
Pennsylvania Supplement, and this Opinion Letter should be read in conjunction
therewith. Unless otherwise indicated, capitalized terms used in this Opinion
that are more defined in the Accord or the Pennsylvania Supplement will have the
same meanings in this Opinion as the meanings as set forth in the

<PAGE>   2
F.N.B. Corporation
May 24, 2000
Page 2


Accord or the Pennsylvania Supplement, respectively (and, to the extent of a
conflict between the same, priority shall be given to the Accord and the
Pennsylvania Supplement in that order).

                                                   Yours very truly,


                                                   COHEN & GRIGSBY, P.C.
CJR:DJK:JWE
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>0004.txt
<DESCRIPTION>CONSENT OF ERNST & YOUNG, LLP
<TEXT>

<PAGE>   1
                                                                    Exhibit 23.2


               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS

         We consent to the reference to our firm under the caption "Experts" in
the Registration Statement (Form S-3) and related Prospectus of F.N.B.
Corporation for the registration of 200,000 shares of its common stock and to
the incorporation by reference therein of our report dated January 31, 2000,
with respect to the consolidated financial statements of F.N.B. Corporation and
subsidiaries incorporated by reference in its Annual Report on Form 10-K for the
year ended December 31, 1999, filed with the Securities and Exchange Commission.


                                                           /s/ ERNST & YOUNG LLP

Pittsburgh, Pennsylvania
May 30, 2000


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.3
<SEQUENCE>5
<FILENAME>0005.txt
<DESCRIPTION>CONSENT OF BOBBITT PITTINGER & COMPANY
<TEXT>

<PAGE>   1

                                                                    Exhibit 23.3

                       CONSENT OF INDEPENDENT ACCOUNTANTS

         We consent to the incorporation by reference in this Registration
Statement on Form S-3 of our report dated April 23, 1999, included as exhibit to
F.N.B. Corporation's Annual Report on Form 10-K filed March 13, 2000, with
respect to our audits of the financial statements of Guaranty Bank & Trust
Company for the years ended December 31, 1998 and 1997. We also consent to the
reference to our firm as experts under the caption "Experts."


                                           /s/ BOBBITT PITTINGER & COMPANY, P.A.



Sarasota, Florida
May 31, 2000


</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.4
<SEQUENCE>6
<FILENAME>0006.txt
<DESCRIPTION>CONSENT OF HACKER, JOHNSON, COHEN & GRIEB PA
<TEXT>

<PAGE>   1

                                                                    Exhibit 23.4

     CONSENT OF HACKER, JOHNSON, COHEN & GRIEB, PA, INDEPENDENT ACCOUNTANTS

         We consent to the reference to our firm under the caption "Experts" in
this Registration Statement and related Prospectus of F.N.B. Corporation on Form
S-3 and to the incorporation by reference therein of our report dated January 9,
1998 on our audits of the financial statements of Seminole Bank at December 31,
1997 and for the year ended December 31, 1997 and of our report dated January 9,
1998 except for Note 18, as to which the date is April 6, 1998, on our audit of
the financial statements of Citizens Holding Corporation and subsidiaries at
December 31, 1997 and for the year ended December 31, 1997, which reports have
been included as exhibits to F.N.B. Corporation's Annual Report on Form 10-K
dated March 13, 2000 filed with the Securities and Exchange Commission.


                                           /s/ HACKER, JOHNSON, COHEN & GRIEB PA

Tampa, Florida
May 24, 2000
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>7
<FILENAME>0007.txt
<DESCRIPTION>POWER OF ATTORNEY
<TEXT>

<PAGE>   1
                                                                     Exhibit 24



                                POWER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS, that each of F.N.B. Corporation (the
"Corporation") and the several undersigned officers and directors thereof whose
signatures appear below, hereby makes, constitutes and appoints Peter Mortensen
and John D. Waters, and each of them, his or her true and lawful
attorneys-in-fact and agents, with full power of substitution and
resubstitution, for him and in his or her name, place and stead, in any and all
capacities, to sign the following registration statements of the Corporation to
be filed with the Securities and Exchange Commission (the "Commission"),
together with any and all amendments (including post-effective amendments) to
such registration statements, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Commission, granting unto
said attorneys-in-fact and agents, and each of them, full power and authority to
do and perform each and every act and thing requisite and necessary to be done,
as fully and to all intents and purposes as he might do in person, hereby
ratifying and confirming all that said attorneys-in-fact and agents or either of
them, or their or his substitutes, may lawfully do or cause to be done by virtue
thereof: (1) registration statement on Form S-3 relating to $250,000,000 of the
Corporation's Subordinated Notes, (2) registration statement on Form S-3
relating to the Corporation's Dividend Reinvestment and Direct Stock Purchase
Plan, (3) registration statement on Form S-8 relating to the Corporation's
401(k) Plan, and (4) registration statement on Form S-8 relating to the
Corporation's 1998 Directors' Stock Option Plan.

         IN WITNESS WHEREOF, F.N.B. Corporation has caused this Power of
Attorney to be signed on its behalf, and each of the undersigned officers and
directors in the capacity or capacities noted has hereunto set his or her hand
as of the date indicated below. This Power of Attorney may be executed in
counterparts which, when taken together, shall constitute a single original
thereof.



F.N.B. CORPORATION

By:  /s/ Peter Mortensen
   --------------------------------------
     Peter Mortensen
     Chairman and Chief Executive Officer


Dated:  May 31, 2000

<TABLE>
<CAPTION>
            Signature                                  Title                                   Date
            ---------                                  -----                                   ----
<S>                                     <C>                                                <C>
/s/ Peter Mortensen                      Chairman, Chief Executive Officer                  May 31, 2000
- ---------------------------------        and Director (Principal Executive
Peter Mortensen                          Officer)

/s/ Stephen J. Gurgovits                 Vice Chairman and Director                         May 31, 2000
- ---------------------------------
Stephen J. Gurgovits

/s/ Gary L. Tice                         President, Chief Operating Officer                 May 31, 2000
- ---------------------------------        and Director
Gary L. Tice
</TABLE>


                                       1
<PAGE>   2


<TABLE>
<CAPTION>
            Signature                                  Title                                   Date
            ---------                                  -----                                   ----
<S>                                     <C>                                                <C>
/s/ John D. Waters                       Vice President and Chief Financial                 May 31, 2000
- ---------------------------------        Officer (Principal Accounting
John D. Waters                           Officer)

                                         Director                                           May 31, 2000
- ---------------------------------
W. Richard Blackwood

                                         Director                                           May 31, 2000
- ---------------------------------
Alan C. Bomstein

/s/ William B. Campbell                  Director                                           May 31, 2000
- ---------------------------------
William B. Campbell

/s/ Charles T. Cricks                    Director                                           May 31, 2000
- ---------------------------------
Charles T. Cricks

/s/ Henry M. Ekker                       Director                                           May 31, 2000
- ---------------------------------
Henry M. Ekker

/s/ James S. Lindsay                     Director                                           May 31, 2000
- ---------------------------------
James S. Lindsay

/s/ Paul P. Lynch                        Director                                           May 31, 2000
- ---------------------------------
Paul P. Lynch

                                         Director                                           May 31, 2000
- ---------------------------------
Edward J. Mace

                                         Director                                           May 31, 2000
- ---------------------------------
Robert S. Moss

                                         Director                                           May 31, 2000
- ---------------------------------
William A. Quinn

/s/ William J. Strimbu                   Director                                           May 31, 2000
- ---------------------------------
William J. Strimbu

/s/ Archie O. Wallace                    Director                                           May 31, 2000
- ---------------------------------
Archie O. Wallace

/s/ James T. Weller                      Director                                           May 31, 2000
- ---------------------------------
James T. Weller

                                         Director                                           May 31, 2000
- ---------------------------------
Eric J. Werner

                                         Director                                           May 31, 2000
- ---------------------------------
Benjamin Wiley

                                         Director                                           May 31, 2000
- ---------------------------------
Donna C. Winner
</TABLE>



                                       2
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
