<SEC-DOCUMENT>0000037808-01-500029.txt : 20011019
<SEC-HEADER>0000037808-01-500029.hdr.sgml : 20011019
ACCESSION NUMBER:		0000037808-01-500029
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20011011

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FNB CORP/FL/
		CENTRAL INDEX KEY:			0000037808
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251255406
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B2
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-38370
		FILM NUMBER:		1756984

	BUSINESS ADDRESS:	
		STREET 1:		F.N.B. CENTER
		STREET 2:		2150 GOODLETTE ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102
		BUSINESS PHONE:		941-262-7600

	MAIL ADDRESS:	
		STREET 1:		F.N.B. CENTER
		STREET 2:		2150 GOODLETTE ROAD NORTH
		CITY:			NAPLES
		STATE:			FL
		ZIP:			34102

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS BUDGET CO
		DATE OF NAME CHANGE:	19750909

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FNB CORP/PA
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B2
<SEQUENCE>1
<FILENAME>rfc33338370.txt
<DESCRIPTION>RATE CHANGE
<TEXT>
                                         October 10, 2001


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


                                         RE: Filing of Prospectus Supplement
                                             Pursuant to Rule 424;
                                             Registration #333-38370

Gentlemen:

Pursuant to the provisions of Rule 424(b)2 of the Rules and Regulations under
the Securities Act of 1933, as amended, we enclose for filing the following copy
of the Prospectus Supplement dated October 10, 2001, through October 16, 2001,
with respect to the above Registration Statement.

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


                                         Very truly yours,

                                         F.N.B. Corporation

                                         /s/John D. Waters

                                         John D. Waters
                                         Vice President and
                                         Chief Financial Officer


JDW/dg
Misc\misc\JDWsecexchVI
Enclosures


<PAGE>



PROSPECTUS SUPPLEMENT
(To Prospectus Dated June 13, 2000)

                               F.N.B. CORPORATION

                                  $250,000,000
                           SUBORDINATED TERM NOTES DUE
       3, 6, 9, 12, 15, 18, 21, 24, 27, 30, 36, 48, 60, 84 AND 120 MONTHS
                                       AND
                            SUBORDINATED DAILY NOTES

   The following interest rates are applicable to Subordinated Term Notes and
          Subordinated Daily Notes offered and sold during the period:
                    October 10, 2001 through October 16, 2001


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

  **   Subordinated Special
       Daily Notes:                                              n/a

       Subordinated Term
       Notes:
         3 Month                                                5.05%
         6 Month                                                5.10%
         9 Month                                                5.15%
        12 Month                                                5.20%
        15 Month                                                 n/a
        18 Month                                                5.25%
        21 Month                                                 n/a
        24 Month                                                5.30%
        27 Month                                                 n/a
        30 Month                                                5.35%
        36 Month                                                5.40%
        48 Month                                                5.45%
        60 Month                                                5.50%
        84 Month                                                5.75%
       120 Month                                                6.00%

       ** With $50,000.00 minimum purchase


              10-Oct-01
                    JMK

CH\RATES\SECDRA2


<PAGE>



</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
