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 *
MORTENSEN PETER
   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)
Chairman
(Last)
(First)
(Middle)
426 ROBERTSON ROAD		 3. Date of Earliest Transaction (Month/Day/Year)
12/31/2004
(Street)

HERMITAGE, PA 16148		 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               81,241 D  
Common Stock               444.7606 (1) I (2) By Wife
Common Stock               27,298.4388 (3) I By Trust (Deferred Plan)

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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 5,700   5,700 D  
Stock Options (Granted 01/23/2000) $ 10.21               (4) 01/23/2010 Common Stock 95,960   95,960 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 93,899   93,899 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 162,986   162,986 D  
Stock Options (Granted 01/20/2002) $ 12.94             01/21/2003 01/20/2012 Common Stock 1,418   1,418 D  
Stock Options (Granted 01/20/2003) $ 13.75             01/21/2004 01/20/2013 Common Stock 2,372   2,372 D  
Common Stock Equivalent (5) $ 20.48               (6)   (7) Common Stock 15,632.7877   15,632.7877 (8) I Interest In Plan

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
MORTENSEN PETER
426 ROBERTSON ROAD
HERMITAGE, PA 16148		   X     Chairman  

Signatures

 /s/ Peter Mortensen   02/11/2005
**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) Includes 18.7756 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
(2) Beneficial ownership of these shares are disclaimed.
(3) Includes 1152.4168 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
(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) Includes 659.3739 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.
 
Remarks:
Statement of holdings as of 12/31/04.

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