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: October 15, 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 October 15, 2003 with respect to F.N.B. Corporation's financial results for the third quarter ended September 30, 2003. ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On October 15, 2003, the Registrant announced financial results for the third quarter ended September 30, 2003. A copy of the press release announcing the Registrant's results for the third quarter ended September 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, Chief Financial Officer (Principal Financial Officer) Dated: October 15, 2003 -2-