November 10, 1999
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
RE: Filing of Prospectus Supplement
Pursuant to Rule 424;
Registration # 333-74737
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 November 10, 1999 through
November 16, 1999, 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:jes
99/misc/prospects-sup
Enclosures
<PAGE>
PROSPECTUS SUPPLEMENT
(To Prospectus Dated April 15, 1999)
F.N.B. CORPORATION
$125,000,000
SUBORDINATED TERM NOTES DUE
3, 6, 9, 12, 18, 24, 30, 36, 48, 60, 84 AND 120 MONTHS
AND
SUBORDINATED DAILY NOTES
The following interest rates are applicable to Subordinated Term Notes
and Subordinated Daily Notes offered and sold during the period:
November 10, 1999 through November 16, 1999.
ANNUAL
INTEREST RATE
-------------
Subordinated Daily
Notes: 5.00%
Subordinated Term
Notes:
3 Month 5.05%
6 Month 5.10%
9 Month 5.15%
12 Month 5.20%
*** 18 Month 6.90%
24 Month 5.30%
30 Month 5.35%
36 Month 5.40%
48 Month 5.50%
60 Month 5.60%
84 Month 6.00%
120 Month 6.50%
*** With $5,000.00 minimum purchase.
09-Nov-99
CH\RATES\SECDRAFT
