UNITED STATES
                       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


       Date of Report (Date of earliest event reported): January 20, 2005
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                               F.N.B. CORPORATION
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             (Exact name of registrant as specified in its charter)


                                     FLORIDA
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                 (State or Other Jurisdiction of Incorporation)


               001-31940                              25-1255406  
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       (Commission File Number)          (IRS Employer Identification No.)


       One F.N.B. Boulevard, Hermitage, PA                          16148
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     (Address of Principal Executive Offices)                    (Zip Code)


                                 (724) 981-6000
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              (Registrant's telephone number, including area code)


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          (Former name or former address, if changed since last report)


     Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instructions A.2. below):

[  ] Written communications pursuant to Rule 425 under the Securities Act 
     (17 CFR 230.425)

[  ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the 
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))







                    INFORMATION TO BE INCLUDED IN THE REPORT


ITEM 2.02. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

     On January 20, 2005, the Registrant announced financial results for the
quarter ended December 31, 2004. A copy of the press release announcing the
Registrant's results for the quarter ended December 31, 2004, is attached hereto
as Exhibit 99.1 and incorporated by reference herein.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

Exhibits:

  99.1         Press release dated January 20, 2005 announcing the financial 
               results of F.N.B. Corporation for the quarter ended 
               December 31, 2004.










                                   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/Brian F. Lilly 
                                                 -----------------------------
                                          Name:  Brian F. Lilly
                                          Title: Chief Financial Officer
                                                 (Principal Financial Officer)



Dated: January 20, 2005