October 30, 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 31, 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
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Enclosures
PROSPECTUS SUPPLEMENT
(To Prospectus Dated June 13, 2000)
F.N.B. CORPORATION
$250,000,000
OF
SUBORDINATED TERM NOTES AND DAILY NOTES
The following interest rates are applicable effective October 31, 2001:
ANNUAL
INTEREST RATE
-------------
Subordinated Daily Notes (1): 5.00%
Subordinated Special Daily Notes (2): n/a
Subordinated Term Notes (3):
3 Month 5.02%
6 Month 5.03%
9 Month 5.08%
12 Month 5.08%
15 Month n/a
18 Month 5.10%
21 Month n/a
24 Month 5.25%
27 Month n/a
30 Month 5.29%
36 Month 5.34%
48 Month 5.39%
60 Month 5.44%
84 Month 5.49%
120 Month 5.58%
(1) FNB is presently offering Daily Notes only to (i) existing Daily Note
holders and (ii) any Term Note holder who desires to transfer the
principal amount of his or her Term Note, upon its maturity, to a Daily
Note.
(2) FNB has discontinued the offer and sale of Special Daily Notes.
(3) FNB is presently offering Term Notes only to (i) any existing Daily Note
holder who desires to redeem his or her Daily Note and transfer the
principal amount thereof to a Term Note, and (ii) any existing Term Note
holder who desires to transfer the principal amount of his or her Term
Note, upon its maturity, to a Term Note having a different term.
This Prospectus Supplement is dated October 31, 2001
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