-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HSPN4glSMGqQ2XfjM58a575XIeJlxgAKF8Gp0hiUXRTDw/e1PQXw+sWsAi4rYLkO
 zLgFQn1lKAfnyUHUGn8Zdg==

<SEC-DOCUMENT>0000037808-01-500035.txt : 20020412
<SEC-HEADER>0000037808-01-500035.hdr.sgml : 20020412
ACCESSION NUMBER:		0000037808-01-500035
CONFORMED SUBMISSION TYPE:	424B2
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20011128

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:		1800447

	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>
                                         November 27, 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 November 28, 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\01\JDWsecexchVI
Enclosures


<PAGE>



PROSPECTUS SUPPLEMENT
(To Prospectus Dated June 13, 2000)

                               F.N.B. CORPORATION

                                  $250,000,000
                                       OF
                     SUBORDINATED TERM NOTES AND DAILY NOTES

    The following interest rates are applicable effective November 28, 2001:


                                                          ANNUAL
                                                       INTEREST RATE
                                                       -------------
  Subordinated Daily Notes                                     4.00%

  Subordinated Special Daily Notes (1):                         n/a

  Subordinated Term Notes
         3 Month                                               4.10%
         6 Month                                               4.20%
         9 Month                                               4.28%
        12 Month                                               4.33%
        15 Month                                                n/a
        18 Month                                               4.52%
        21 Month                                                n/a
        24 Month                                               4.67%
        27 Month                                                n/a
        30 Month                                               4.72%
        36 Month                                               4.76%
        48 Month                                               4.81%
        60 Month                                               4.86%
        84 Month                                               4.91%
       120 Month                                               5.01%

  (1) FNB has discontinued the offer and sale of Special Daily Notes.

              This Prospectus Supplement is dated November 28, 2001


          CH\RATES\SECDRA4               djs               21-Nov-01


<PAGE>



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