FNB CORP \VA\
S-4, EX-99.1, 2000-09-22
NATIONAL COMMERCIAL BANKS
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                                                                    Exhibit 99.1

                             SWVA BANCSHARES, INC.
                        ANNUAL MEETING OF STOCKHOLDERS
                              December ____, 2000

      The undersigned hereby appoints the Board of Directors of SWVA Bancshares,
Inc. ("Company"), or its designee, with full powers of substitution, to act as
attorneys and proxies for the undersigned, to vote all shares of common stock of
SWVA which the undersigned is entitled to vote at the 2000 Annual Meeting of
Stockholders, to be held at ____________________________________ Roanoke,
Virginia on December ____, 2000, at [10:30 a.m.] and at any and all adjournments
thereof, in the following manner:

                                                       FOR    AGAINST  ABSTAIN
                                                       ---    -------  -------
1.   The approval and adoption of the
     Agreement and Plan of Merger between
     SWVA Bancshares, Inc. and FNB Corporation         [_]      [_]      [_]

     The Board of Directors recommends a vote "FOR" Proposal 1.

                                                            FOR   WITHHELD
                                                            ---   --------
2.   The election as director of all nominees
     listed below with terms expiring in 2003:              [_]      [_]
     D.W. Shilling
     B.L. Rakes

INSTRUCTIONS:  To withhold your vote for any individual nominee or nominees,
------------
mark the "WITHHELD" box and write the nominee's name or their names on the line
provided below.

     The Board of Directors recommends a vote "FOR" Proposal 2.

                                                       FOR  AGAINST  ABSTAIN
                                                       ---  -------  -------
3.   The ratification of the appointment of Cherry
     Bekaert & Holland L.L.P. as independent auditors
     of SWVA for the fiscal year ending
     June 30, 2001.                                    [_]     [_]      [_]

     The Board of Directors recommends a vote "FOR" Proposal 3.

     In their discretion, such attorneys and proxies are authorized to vote upon
such other business as may properly come before the meeting or any adjournments
thereof.

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THIS PROXY WILL BE VOTED AS DIRECTED, BUT IF NO INSTRUCTIONS ARE SPECIFIED, THIS
PROXY WILL BE VOTED FOR PROPOSALS 1, 2 AND 3.  IF ANY OTHER BUSINESS IS
PRESENTED AT THE MEETING, THIS PROXY WILL BE VOTED BY THOSE NAMED IN THIS PROXY
IN THEIR BEST JUDGMENT.  AT THE PRESENT TIME, THE BOARD OF DIRECTORS KNOWS OF NO
OTHER BUSINESS TO BE PRESENTED AT THE MEETING.
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<PAGE>

               THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS

     Should the undersigned be present and elect to vote at the meeting, or at
any adjournments thereof, and after notification to the Secretary of SWVA at the
meeting of the stockholder's decision to terminate this proxy, the power of said
attorneys and proxies shall be deemed terminated and of no further force and
effect. The undersigned may also revoke this proxy by filing a subsequently
dated proxy or by written notification to the Secretary of SWVA of his or her
decision to terminate this proxy.

     The undersigned acknowledges receipt from SWVA prior to the execution of
this proxy of a Notice of Annual Meeting of Stockholders and a proxy
statement/prospectus dated November ____, 2000.

                                                   Please check here if you
Dated: ________________, 2000                [_]   plan to attend the meeting.


_____________________________________        ___________________________________
PRINT NAME OF STOCKHOLDER                    PRINT NAME OF STOCKHOLDER


_____________________________________        ___________________________________
SIGNATURE OF STOCKHOLDER                     SIGNATURE OF STOCKHOLDER


Please sign exactly as your name appears on this proxy.  When signing as
attorney, executor, administrator, trustee, or guardian, please give your full
title.  If shares are held jointly, each holder should sign.


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PLEASE COMPLETE, DATE, SIGN, AND MAIL THIS PROXY PROMPTLY IN THE ENCLOSED
POSTAGE-PREPAID ENVELOPE.
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