Ownership Submission
FORM 4
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
GURGOVITS STEPHEN J
   2. Issuer Name and Ticker or Trading Symbol
FNB CORP/FL/ [FNB] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
__X__ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
President and CEO
(Last)
(First)
(Middle)
591 BUHL BOULEVARD		 3. Date of Earliest Transaction (Month/Day/Year)
01/26/2006
(Street)

SHARON, PA 16146		 4. If Amendment, Date Original Filed(Month/Day/Year)
 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3)		 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code
(Instr. 8)		 4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		 5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4)		 6. Ownership Form: Direct (D) or Indirect (I)
(Instr. 4)		 7. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V Amount (A) or (D) Price
Common Stock               13,313 D (1)  
Common Stock               6,297.4985 D  
Common Stock               444 I By Wife
Common Stock               294 D  
Common Stock               2,370.3618 I By Trust (401K Plan)
Common Stock (2)               5,202.0866 I By Trust (401K Plan)
Common Stock               543 D  
Common Stock (3)               28,740.5265 D  
Common Stock (3)               23,849.9272 D  
Common Stock               1,000 D  
Common Stock               9,506 I By Wife
Common Stock (3)               25,000 D  
Common Stock               28,618.03 D  
Common Stock               2,185 D  
Common Stock 01/26/2006   M   5,703 A $ 8.95 5,703 D  
Common Stock 01/26/2006   S   5,703 D $ 17.25 0 D  
Common Stock 01/27/2006   M   28,476 A $ 8.95 28,476 D  
Common Stock 01/27/2006   S   28,476 D $ 17.2545 0 D  

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 3)		 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code
(Instr. 8)		 5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4, and 5)		 6. Date Exercisable and Expiration Date
(Month/Day/Year)		 7. Title and Amount of Underlying Securities
(Instr. 3 and 4)		 8. Price of Derivative Security
(Instr. 5)		 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 4)		 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 4)		 11. Nature of Indirect Beneficial Ownership
(Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Granted 01/18/1998) $ 13.78               (4) 01/18/2008 Common Stock 31,571   31,571 D  
Stock Options (Granted 01/24/1999) $ 10.62               (4) 01/24/2009 Common Stock 77,301   77,301 D  
Stock Options (Granted 04/29/1999) $ 10             04/30/2000 04/29/2009 Common Stock 403   403 D  
Stock Options (Granted 01/23/2000) $ 10.21               (4) 01/23/2010 Common Stock 82,741   82,741 D  
Stock Options (Granted 01/23/2000) $ 10.21             01/24/2001 01/23/2010 Common Stock 1,319   1,319 D  
Stock Options (Granted 01/22/2001) $ 10.44               (4) 01/22/2011 Common Stock 85,036   85,036 D  
Stock Options (Granted 01/22/2001) $ 10.44             01/23/2002 01/22/2011 Common Stock 1,457   1,457 D  
Stock Options (Granted 01/20/2002) $ 12.94               (4) 01/20/2012 Common Stock 52,164   52,164 D  
Stock Options (Granted 01/20/2002) $ 12.94             01/21/2003 01/20/2012 Common Stock 1,255   1,255 D  
Stock Options (Granted 01/20/2003) $ 13.75               (4) 01/20/2013 Common Stock 51,061   51,061 D  
Stock Options (Granted 01/20/2003) $ 13.75             01/21/2004 01/20/2013 Common Stock 2,166   2,166 D  
Common Stock Equivelant (5) $ 20.48               (6)   (7) Common Stock 9,044.3944   9,044.3944 I Interest in Plan
Stock Options (Granted 01/26/1997) $ 8.95 01/26/2006   M     5,703   (4) 01/26/2007 Common Stock 28,476 (8) 28,476 D  
Stock Options (Granted 01/26/1997) $ 8.95 01/27/2006   M     28,476   (4) 01/26/2007 Common Stock 0 (8) 0 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
GURGOVITS STEPHEN J
591 BUHL BOULEVARD
SHARON, PA 16146		   X     President and CEO  

Signatures

 /s/ Stephen J. Gurgovits   01/30/2006
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) Shares held jointly with spouse.
(2) Represents employer matching contributions pursuant to exempt 401(k) Plan.
(3) Award of stock pursuant to the F.N.B. Corporation 2001 Incentive Plan. Vests 50% on third anniversary of grant date and 50% to vest on the fourth anniversary of the grant date, with the second 50% being subject to the satisfaction of certain performance criteria.
(4) Options are fully vested and are available for immediate exercise.
(5) Represents credit under a supplemental retirement plan for employer matching stock contributions which reporting person receives upon retirement.
(6) Upon entitlement to amounts under exempt 401(k) Plan.
(7) Not applicable; represents credit under supplemental retirement plan for employer matching stock contribution which reporting person was prevented from receiving under exempt 401(k) plan.
(8) Not applicable; stock option exercise.

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