December 1, 2003
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
RE: Filing of Prospectus Supplement
Pursuant to Rule 424;
Registration #333-103902
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 December 1, 2003, 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/Thomas E. Fahey
Thomas E. Fahey
Executive Vice President and
Chief Financial Officer
PROSPECTUS SUPPLEMENT
(To Prospectus Dated June 24, 2003)
F.N.B. CORPORATION
$350,000,000
OF
SUBORDINATED TERM NOTES AND DAILY NOTES
The following interest rates are applicable effective December 1, 2003:
ANNUAL
INTEREST RATE
-------------
Subordinated Daily Notes 2.75%
Subordinated Special Daily Notes N/A
Subordinated Term Notes
3 Month 3.10%
6 Month 3.25%
9 Month 3.35%
12 Month 3.50%
15 Month N/A
18 Month 3.60%
21 Month N/A
24 Month 3.70%
27 Month n/a
30 Month 4.00%
36 Month 4.14%
48 Month 4.23%
60 Month 4.57%
84 Month 4.67%
120 Month 4.76%
The Company intends to use the net proceeds from the sale of notes as
advances to its consumer finance subsidiary, Regency Finance Company, to
fund Regency's lending and purchasing activities and for general corporate
purposes of the Company, including mergers and acquisitions.
This Prospectus Supplement is dated December 1, 2003