Sec Form 4 Filing - COGHILL CC @ FNB CORP/FL/ - 2003-10-22

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 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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1. Name and Address of Reporting Person COGHILL CC 2. Issuer Name and Ticker or Trading Symbol FNB CORP/FL/ [ FBAN] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) EVP & Chief Credit Officer (Last) (First) (Middle) 1905 PRINCESS COURT 3. Date of Earliest Transaction (MM/DD/YY) 10/22/2003 (Street) NAPLES, FL34100 4. If Amendment, Date Original Filed (MM/DD/YY) 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 (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 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 10/22/2003 S 9,000 D $ 32.1273 51,167.156( 1 ) D COMMON STOCK 6,236.2852 I BY TRUST (401K PLAN) COMMON STOCK 1,933.087( 2 ) I BY TRUST (DEFERRED PLAN)

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 (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 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 (MM/DD/YY) 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) $ 25.98 ( 3 ) 01/18/2008 COMMON STOCK 23,101 23,101( 4 ) D Stock Options (Granted 01/24/1999) $ 20.03 ( 3 ) 01/24/2009 COMMON STOCK 11,232 11,232( 4 ) D Stock Options (Granted 01/23/2000) $ 19.26 ( 3 ) 01/23/2010 COMMON STOCK 12,091 12,091( 4 ) D Stock Options (Granted 01/22/2001) $ 19.68 ( 3 ) 01/22/2011 COMMON STOCK 12,257 12,257( 4 ) D Stock Options (Granted 01/20/2002) $ 24.4 ( 3 ) 01/20/2012 COMMON STOCK 16,598 16,598( 4 ) D Stock Options (Granted 01/20/2003) $ 25.92 ( 3 ) 01/20/2013 COMMON STOCK 17,358 17,358( 4 ) D Common Stock Equivalent ( 5 ) ( 6 ) ( 7 ) COMMON STOCK 210.1035 210.1035( 8 ) I INTEREST IN PLAN

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other COGHILL CC 1905 PRINCESS COURT NAPLES, FL34100 EVP & Chief Credit Officer Signatures /s/ C. C. Coghill 10/23/2003 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Includes 2,860.808 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 85.193 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan. ( 2 )Includes 90.708 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 28.218 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan. ( 3 )Options vest over a five year period, 20% each year on anniversary of grant date. ( 4 )Represents change in exercise price and number of shares obtainable upon exercise due to a 5% stock dividend on 05/30/2003. ( 5 )The price is to be determined at retirement when the reporting person receives these shares. The price will be based on the average of the bid and ask prices at the time of the individual's retirement. ( 6 )There is no exercisable date on these shares. These shares represent credit under supplemental retirement plan for employer matching contributions which reporting person was prevented from receiving under exempt 401(k) Plan. These shares are received at retirement. ( 7 )There is no expiration date on these shares. These shares represent credit under supplemental retirement plan for employer matching contributions which reporting person was prevented from receiving under exempt 401(k) Plan. These shares are received at retirement. ( 8 )Includes 9.8589 shares acquired as a result of a 5% stock dividend on 05/30/2003 and 3.0672 shares acquired under the F.N.B. Corporation Dividend Reinvestment Plan.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* 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).

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