Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF 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
OMB APPROVAL
OMB Number: 3235-0104
Expires: January 31, 2005
Estimated average burden hours per response... 0.5

(Print or Type Responses)
1. Name and Address of Reporting Person *
  ROBERTS GARY
 2. Date of Event Requiring Statement (Month/Day/Year)
03/16/2005		 3. Issuer Name and Ticker or Trading Symbol
FNB CORP/FL/ [FNB]
(Last)
(First)
(Middle)
1139 WISHART PLACE		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
President & CEO FNB of PA
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

HERMITAGE, PA 16148		 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 Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 43.4321
D
 
Common Stock 11.008
D
 
Common Stock (1) 9,396.6818
D
 
Common Stock 5,347.3088
I
By Trust (401k Plan)
Common Stock 1,822.6171 (2)
I
By Trust (401k Plan)
Common Stock (1) 7,500
D
 

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Stock Options (Granted 01/18/1998)   (3) 01/18/2008 Common Stock 11,242 $ 13.78 D  
Stock Options (Granted 01/24/1999)   (3) 01/24/2009 Common Stock 19,178 $ 10.62 D  
Stock Options (Granted 01/23/2000)   (3) 01/23/2010 Common Stock 21,049 $ 10.21 D  
Stock Options (Granted 01/22/2001)   (4) 01/22/2011 Common Stock 21,556 $ 10.44 D  
Stock Options (Granted 01/20/2002)   (4) 01/20/2012 Common Stock 12,846 $ 12.94 D  
Stock Options (Granted 01/20/2003)   (4) 01/20/2013 Common Stock 20,875 $ 13.75 D  
Common Stock Equivelant (5)   (6)   (7) Common Stock 873.8824 $ 20.48 I Interest in Plan

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
ROBERTS GARY
1139 WISHART PLACE
HERMITAGE, PA 16148		       President & CEO FNB of PA  

Signatures

/s/ Gary Roberts 03/21/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(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) 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.
(2) Represents employer matching contributions pursuant to exempt 401(k) Plan.
(3) Options are fully vested and are available for immediate exercise.
(4) Options vest over a five year period, 20% each year on the anniversary of grant date.
(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.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure.

Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.