October 10, 2001 Securities and Exchange Commission 450 Fifth Street, N.W. Washington, D.C. 20549 RE: Filing of Prospectus Supplement Pursuant to Rule 424; Registration #333-38370 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 October 10, 2001, through October 16, 2001, 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/John D. Waters John D. Waters Vice President and Chief Financial Officer JDW/dg Misc\misc\JDWsecexchVI Enclosures PROSPECTUS SUPPLEMENT (To Prospectus Dated June 13, 2000) F.N.B. CORPORATION $250,000,000 SUBORDINATED TERM NOTES DUE 3, 6, 9, 12, 15, 18, 21, 24, 27, 30, 36, 48, 60, 84 AND 120 MONTHS AND SUBORDINATED DAILY NOTES The following interest rates are applicable to Subordinated Term Notes and Subordinated Daily Notes offered and sold during the period: October 10, 2001 through October 16, 2001 ANNUAL INTEREST RATE ------------- Subordinated Daily Notes: 5.00% ** Subordinated Special Daily Notes: n/a Subordinated Term Notes: 3 Month 5.05% 6 Month 5.10% 9 Month 5.15% 12 Month 5.20% 15 Month n/a 18 Month 5.25% 21 Month n/a 24 Month 5.30% 27 Month n/a 30 Month 5.35% 36 Month 5.40% 48 Month 5.45% 60 Month 5.50% 84 Month 5.75% 120 Month 6.00% ** With $50,000.00 minimum purchase 10-Oct-01 JMK CH\RATES\SECDRA2