FNB CORP/PA/ — Capital/Financing Update 2005

Apr 1, 2005

424B2 1 j1302001e424b2.htm F.N.B. CORPORATION FORM 424B2 FORM 424B2 PAGEBREAK

Filed pursuant to Rule 424(b)(2) Registration No. 333-103902

PROSPECTUS SUPPLEMENT (To Prospectus Dated February 4, 2004)

F.N.B. CORPORATION

$350,000,000 OF SUBORDINATED TERM NOTES AND DAILY NOTES

The following interest rates are applicable effective APRIL 1, 2005.

INTEREST RATE
Subordinated Daily Notes	3.00 %
Subordinated Special Daily Notes	N/A
Subordinated Term Notes
3 Month	3.10 %
6 Month	3.25 %
9 Month	3.31 %
12 Month	3.51 %
15 Month	N/A
18 Month	3.65 %
21 Month	N/A
24 Month	3.70 %
27 Month	N/A
30 Month	3.99 %
36 Month	4.09 %
48 Month	4.23 %
60 Month	4.43 %
84 Month	4.53 %
120 Month	4.77 %

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 APRIL 1, 2005.