SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549



                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(d) OF THE

                   SECURITIES EXCHANGE ACT OF 1934, AS AMENDED

                          Date of Report: July 16, 2003



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


          Florida                       0-8144                 25-1255406
(State of Incorporation)          (Commission              (IRS Employer
                                   File Number)          Identification No.)





       2150 Goodlette Road North, Naples, Florida          34102
         (Address of principal executive offices)         (Zip code)


                                (239) 262-7600
             (Registrant's telephone number, including area code)





               INFORMATION TO BE INCLUDED IN THE REPORT

ITEM 7.        FINANCIAL STATEMENTS AND EXHIBITS


               EXHIBIT NO.            DESCRIPTION OF EXHIBIT
               ___________            ______________________

               99.1                   Press release dated July 15, 2003
                                      with respect to F.N.B. Corporation's
                                      financial results for the second quarter
                                      ended June 30, 2003.




ITEM 9.        REGULATION FD DISCLOSURE

               F.N.B. Corporation ("The Registrant") is furnishing the
               information required by Item 12 of Form 8-K, "Results of
               Operations and Financial Condition," under this Item 9.

               On July 15, 2003, the Registrant announced financial results for
               the second quarter ended June 30, 2003.  A copy of the press
               release announcing the Registrant's results for the second
               quarter ended June 30, 2003, is attached hereto as Exhibit 99.1
               and incorporated by reference herein.






                                       -1-



                                   Signatures


Pursuant to the requirements of the Securities Exchange Act of 1934 the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                   F.N.B. CORPORATION
                                  (Registrant)



                                   By:    /s/Thomas E. Fahey
                                          --------------------------
                                   Name:  Thomas E. Fahey
                                   Title: Executive Vice President and
                                          Chief Financial Officer
                                         (Principal Financial Officer)


Dated: July 16, 2003


                                       -2-