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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0000950144-02-003168.txt : 20020415
<SEC-HEADER>0000950144-02-003168.hdr.sgml : 20020415
ACCESSION NUMBER:		0000950144-02-003168
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20020118
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20020329

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:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-08144
		FILM NUMBER:		02595095

	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:	FNB CORP/PA
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS BUDGET CO
		DATE OF NAME CHANGE:	19750909
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K/A
<SEQUENCE>1
<FILENAME>g75223e8-ka.txt
<DESCRIPTION>F.N.B. CORPORATION
<TEXT>
<PAGE>
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                   FORM 8-K/A

                                 CURRENT REPORT

   Pursuant to Section 13 or 15(d) of the Securities and Exchange Act of 1934



Date of Report (Date of earliest event reported)        January 18, 2002
                                                -------------------------------



                               F.N.B. CORPORATION
- -------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)



             Florida                     0-8144                 25-1255406
- -------------------------------------------------------------------------------
  (State or other jurisdiction   (Commission File Number)     (IRS Employer
        of incorporation)                                   Identification No.)



F.N.B. Center, 2150 Goodlette Road North, Naples, Florida          34102
- -------------------------------------------------------------------------------
         (Address of principal executive offices)                (Zip Code)



Registrant's telephone number, including area code        (941) 262-7600
                                                  -----------------------------



- -------------------------------------------------------------------------------
          (Former name or former address, if changed since last report)
<PAGE>

         This Current Report on Form 8-K/A is being filed to amend Item 7 of the
Form 8-K filed by the Registrant with the Securities and Exchange Commission on
February 28, 2002 to include the financial statements of Promistar Financial
Corporation ("Promistar") and the pro forma financial information reflecting the
pro forma effect on the Registrant of its acquisition of Promistar .

ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS.

         Financial Statements and Pro Forma Financial Information

         (a)      Financial Statements of Business Acquired

                  The financial statements of Promistar as of December 31, 2000
                  and 1999 and for each of the three years ended December 31,
                  2000, 1999 and 1998 are incorporated by reference to Item 14
                  of the Form 10-K filed by Promistar with the SEC for its
                  fiscal year ended December 31, 2000. The financial statements
                  of Promistar as of September 30, 2001 and 2000 and for the
                  nine months ended September 30, 2001 and 2000 are incorporated
                  by reference to Item 1 of the Form 10-Q filed by Promistar
                  with the SEC for its fiscal quarter ended September 30, 2001.

         (b)      Pro Forma Financial Information

                  The unaudited pro forma combined condensed financial
                  information for each of the three years ended December 31,
                  2000, 1999 and 1998 is incorporated by reference to the
                  Registration Statement on Form S-4 of the Registrant
                  (Registration Statement No. 333-66548). The unaudited pro
                  forma combined condensed financial information as of and for
                  the nine months ended September 30, 2001 is filed herewith as
                  Exhibit 99.2.

         Exhibits

         The following exhibits are included in this Report:

<TABLE>
         <S>      <C>
         (*)2.1   The Merger Agreement (incorporated by reference to Appendix A
                  to the Joint Proxy Statement/Prospectus contained in the
                  Registration Statement and to Exhibit 2.1 to FNB's Current
                  Report on Form 8-K filed June 14, 2001).

         (*)99.1  Press release issued January 18, 2002 announcing completion of
                  the Merger.

         99.2     Unaudited pro forma combined condensed balance sheet as of
                  September 30, 2001 and statement of income for the nine months
                  ended September 30, 2001.
</TABLE>

- --------------
(*) Previously filed.
<PAGE>

                                   SIGNATURES


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this Current Report on Form 8-K to be signed on
its behalf by the undersigned hereunto duly authorized.

                               F.N.B. CORPORATION



                               By: /s/ John D. Waters
                                   --------------------------------------------
                                   John D. Waters
                                   Vice President and Chief Financial Officer


Dated: March 29, 2002

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>g75223ex99-2.txt
<DESCRIPTION>UNAUDITED PRO FORMA
<TEXT>
<PAGE>



                               F.N.B. CORPORATION
                        PRO-FORMA COMBINED BALANCE SHEET
                               September 30, 2001

             (In thousands, except per share and per share amounts)
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                                                                        FNB
                                                                                                 Pro Forma            Pro Forma
                                                     FNB                 Promistar             Adjustments            Combined
                                                -----------------   --------------------   ------------------   --------------------
<S>                                             <C>                 <C>                    <C>                  <C>

Assets
Cash and due from banks                                 $131,897                $72,994                                    $204,891
Interest bearing deposits with banks                       8,652                    629                                       9,281
Federal funds sold                                         7,329                 54,500                                      61,829
Mortgage loans held for sale                               4,815                                                              4,815
Investment securities                                    483,232                521,425                 (398)(1)          1,004,259
Loans, net of unearned income                          3,139,924              1,666,895                                   4,806,819
Allowance for loan losses                                (40,037)               (19,302)                                    (59,339)
                                                -----------------   --------------------   ------------------   --------------------
   Net Loans                                           3,099,887              1,647,593                    0              4,747,480
                                                -----------------   --------------------   ------------------   --------------------
Premises and equipment, net                              115,704                 28,544                                     144,248
Other assets                                             211,461                 77,341                                     288,802
                                                -----------------   --------------------   ------------------   --------------------
    Total Assets                                      $4,062,977             $2,403,026                ($398)            $6,465,605
                                                =================   ====================   ==================   ====================

Liabilities
Deposits:
  Non-interest bearing                                  $498,923               $275,760                                    $774,683
  Interest bearing                                     2,718,836              1,566,855                                   4,285,691
                                                -----------------   --------------------   ------------------   --------------------
   Total deposits                                      3,217,759              1,842,615                    0              5,060,374
Other liabilities                                         69,269                 20,971                 (106)(1)             90,134
Short-term borrowings                                    307,986                 78,454                                     386,440
Long-term debt                                           104,745                239,395                                     344,140
                                                -----------------   --------------------   ------------------   --------------------
   Total Liabilities                                   3,699,759              2,181,435                 (106)             5,881,088
                                                -----------------   --------------------   ------------------   --------------------

Stockholders' Equity
Preferred stock                                                2                                                                  2
Common stock                                                 258                 86,353              (86,193)(2)                418
Additional paid-in capital                               295,750                 61,656               86,346 (2)            443,752
Retained earnings                                         59,482                 66,292                 (248)(3)            125,526
Accumulated other comprehensive income                     9,528                  7,290                 (197)(1)             16,621
Treasury stock                                            (1,802)                                                            (1,802)
                                                -----------------   --------------------   ------------------   --------------------
   Total Stockholders' Equity                            363,218                221,591                 (292)               584,517
                                                -----------------   --------------------   ------------------   --------------------
   Total Liabilities and Stockholders' Equity         $4,062,977             $2,403,026                ($398)            $6,465,605
                                                =================   ====================   ==================   ====================

Book value per share                                      $13.99                 $12.83                                      $13.94
Common shares issued at period end                    25,770,459             17,270,551                                  41,746,973
</TABLE>

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

(1)      Cancellation of 17,296 Promistar shares owned by FNB.

(2)      Issuance of 15,976,514 shares of FNB common stock, assuming an exchange
         rate of 0.926 shares of FNB common stock for each share of Promistar
         common stock and the cancellation of 17,296 Promistar shares owned by
         FNB.

(3)      Gain on sale of 18,000 Promistar shares owned by FNB.


<PAGE>

                               F.N.B. CORPORATION
                     PRO FORMA COMBINED STATEMENT OF INCOME
                  For the Nine Months Ended September 30, 2001

               (In thousands, except share and per share amounts)

                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                                                               FNB
                                                                                  Pro Forma                  Pro Forma
                                                 FNB              Promistar       Adjustments                 Combined
                                        ------------------ ------------------  ------------------        -----------------
<S>                                     <C>                <C>                 <C>                       <C>
Interest Income
Loans, including fees                              199,801             93,256                                      293,057
Investment securities                               22,251             19,783                 (22)(1)               42,012
Other                                                3,973                933                                        4,906
                                        ------------------ ------------------  ------------------        -----------------
     Total Interest Income                         226,025            113,972                 (22)                 339,975
                                        ------------------ ------------------  ------------------        -----------------
Interest Expense
Deposits                                            84,534             46,745                                      131,279
Short-term borrowings                                9,532              2,843                                       12,375
Long-term debt                                       5,634              7,581                                       13,215
                                        ------------------ ------------------  ------------------        -----------------
     Total Interest Expense                         99,700             57,169                   0                  156,869
                                        ------------------ ------------------  ------------------        -----------------
     Net Interest Income                           126,325             56,803                 (22)                 183,106
Provision for loan losses                            8,190              3,800              11,990
                                        ------------------ ------------------  ------------------        -----------------
     Net Interest Income
      After Provision
     For Loan Losses                               118,135             53,003                 (22)                 171,116
                                        ------------------ ------------------  ------------------        -----------------
Other Income
Net security gains                                     783              1,326                (351)(3)                1,758
Other                                               58,725             12,909              71,634
                                        ------------------ ------------------  ------------------        -----------------
     Total Other Income                             59,508             14,235                (351)                  73,392
                                        ------------------ ------------------  ------------------        -----------------
                                                   177,643             67,238                (373)                 244,508
Other Expenses
Salaries and benefits                               68,265             20,152                                       88,417
Occupancy and equipment expenses                    18,524              8,321                                       26,845
Amortization of intangible assets                                       1,533                                        1,533
Other operating expenses                            45,352             12,811                                        58,163
                                        ------------------ ------------------  ------------------        -----------------
     Total Other Expenses                          132,141             42,817                   0                  174,958
                                        ------------------ ------------------  ------------------        -----------------
     Income Before Income Taxes                     45,502             24,421                (373)                  69,550
Provision for income taxes                          14,794              7,049                (125)(1)(3)            21,718
                                        ------------------ ------------------  ------------------        -----------------
    Net Income                                    $ 30,708          $  17,372           ($    248)                $ 47,832
                                        ================== ==================  ==================        =================

Earnings per share - Basic                        $1.19                 $1.13                                        $1.20
     Weighted average shares
        outstanding - Basic                  25,576,502            15,353,503                                   39,766,718
Earnings per share - Diluted                      $1.16                 $1.13                                        $1.17
     Weighted average shares
       outstanding - Diluted                 26,554,630            15,367,632                                   40,757,929
Dividends paid per common share                   $0.55                 $0.63                                        $0.60
</TABLE>

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

(1)      Elimination of Promistar dividends received on shares owned by FNB and
         related tax impact.

(2)      Weighted average shares computed using FNB average shares outstanding
         adjusted for the weighted average shares of Promistar, net of Promistar
         shares owned by FNB, adjusted for the exchange rate of 0.926 shares of
         FNB for each share of Promistar.

(3)      Gain on sale of 18,000 shares of Promistar stock owned by FNB and
         related tax impact.


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