EXHIBIT 4.6

                           FNB FINANCIAL SERVICES, LP

                GENERAL PARTNER CERTIFICATE PURSUANT TO INDENTURE

      Pursuant to Sections 102 and 301 of the Indenture dated as of January
____, 2005 (as amended or supplemented from time to time, the "Indenture), by
and among FNB Financial Services, LP (the "Company"), F.N.B. Corporation, as
Guarantor (the "Guarantor") and J.P. Morgan Trust Company, National Association,
as Trustee (the "Trustee"), the undersigned hereby certifies, in connection with
the issuance by the Company of the Securities described herein, that:

      (1) There shall be the following Securities issuable under the Indenture
and pursuant to this Officers' Certificate: (i) Subordinated Term Notes, Series
2005 (the "Term Notes"); (ii) Subordinated Daily Notes, Series 2005 (the "Daily
Notes"); and (iii) Subordinated Special Daily Notes, Series 2005 (the "Special
Daily Notes") (the Term Notes, Daily Notes and Special Daily Notes are sometimes
collectively referred to herein as the "Notes").

      (2) There is no limit on the aggregate principal amount of Notes that may
be authenticated and delivered under the Indenture.

      (3) The Term Notes will be due 3, 6, 9, 12, 15, 18, 21, 24, 27, 30, 36,
48, 60, 84 or 120 months from the date of issuance thereof, according to their
respective terms (the "Maturity Date"), unless redeemed or extended as provided
therein. The Term Notes will be automatically extended for successive terms,
equal in duration to their original term, at the rate(s) of interest then in
effect for Term Notes of comparable maturity unless, prior to maturity, the
Company receives notification of the Holder's intent to redeem the Term Note.
The principal amount of each Term Note shall be payable in one lump sum on the
Maturity Date thereof.

      (4) The principal amount of each Daily Note and each Special Daily Note
shall be due and payable on demand; provided, however, that (i) the Company
retains the right to require the Holder to give the Company no less than 30
days' prior written notice, by first class mail, of a redemption in whole or in
part demanded by the Holder, which notice shall specify the principal amount of
the Note to be redeemed and the redemption date, (ii) a partial redemption may
not reduce the principal amount of a Daily Note to less than $50, (iii) a
partial redemption may not reduce the principal amount of a Special Daily Note
to less than the minimum purchase amount with respect to Special Daily Notes in
effect at the time of issuance of the Special Daily Note to be redeemed, and
(iv) the Company may at the time of sale of any Special Daily Note establish a
minimum principal amount with respect to which a Holder may require the Company
to partially redeem such Special Daily Note.

      (5) The interest rates payable on the Daily Notes will be determined by
the Company and may fluctuate on a monthly basis. Any adjustment to the interest
rate will be made by the Company on the first day of the month. Interest on the
Daily Notes shall accrue daily from the date of issuance and be compounded
quarterly. Accrued interest shall be paid to the Holder of a Daily Note upon
redemption in whole of the Note.

      (6) The interest rate payable on the Special Daily Notes will be
determined by the Company and may fluctuate on a monthly basis. Any adjustment
to the interest rate will be made by the Company on the first day of the month.
Interest on the Special Daily Notes shall accrue daily



from the date of issuance and be compounded quarterly. Accrued interest shall be
paid to the Holder of a Special Daily Note upon redemption in whole of the Note.

      (7) The interest rate payable on each maturity of the Term Notes will be
determined by the Company from time to time. The interest rate payable on any
particular Term Note will be fixed for the term of the Note. The Company may
from time to time offer Term Notes with a higher interest rate if a higher
minimum purchase amount is met.

      (8) Interest on the Term Notes shall accrue daily from the date of
issuance and will be paid by checks mailed to the holders of the Notes, or, with
respect a Term Note having a maturity in excess of six months, the Holder
thereof may instead elect to have the interest thereon compounded quarterly.
Holders of Term Notes with a maturity of three or six months may elect to have
interest paid monthly or at maturity. Holders of other Term Notes may elect to
have interest compounded quarterly at the rate of the Term Note or paid monthly
or quarterly.

      (9) The Company shall have the right, at its option, to call the Notes of
any series for redemption at any time. Any partial redemption of a series shall
either be made ratably on all the Outstanding Notes of the series called for
redemption, or by lot or in any other equitable fashion. Interest on the Notes
will continue to accrue until the date of redemption and no premium shall be
paid thereon. The Company will give each Holder not less than 30 days' prior
written notice by first class mail of a redemption of any Notes held by such
Holder, specifying the principal amount of the Notes to be redeemed and the
redemption date. Notice of redemption having been given by the Company as
aforesaid, the principal amount of the Notes specified in such notice, together
with interest accrued and unpaid thereon to the date of redemption, will become
due and payable on such redemption date.

      (10) The Holder of a Term Note will have the right, at its option, to have
the Company redeem the Term Note upon demand prior to maturity. As to a Term
Note having a maturity of 12 months or less, the Holder shall, upon such
redemption, forfeit an amount equal to 3 months of interest earned, or that
could have been earned, on the amount so redeemed at the rate being paid on the
Term Note, regardless of the length of time that the Holder has owned the Term
Note. As to a Term Note having a maturity of between 15 months and 30 months,
inclusive, the Holder shall forfeit an amount equal to 6 months of interest
earned, or that could have been earned, on the amount so redeemed at the rate
being paid on the Term Note, regardless of the length of time that the Holder
has owned the Term Note. As to a Term Note having a maturity in excess of 30
months, the Holder shall forfeit an amount equal to 9 months of interest earned,
or that could have been earned, on the amount so redeemed at the rate being paid
on the Term Note, regardless of the length of time that the Holder has owned the
Term Note. Where necessary to comply with the requirements of this Paragraph,
interest already paid to or for the account of the Holder will be deducted from
the amount redeemed. Holders of Term Notes will also have the right to make
partial redemptions prior to maturity; provided, however, that a partial
redemption may not reduce the outstanding principal amount of a Term Note to
less than $500. The above mentioned forfeitures will be calculated only upon the
principal amount as to which the Term Note is being redeemed. The Company may
require the Holder of any Term Note electing to have the Company redeem the
Holder's Term Note to give the Company not less than 30 days' prior written
notice, by first class mail, of such election, which notice shall specify the
principal amount of the Term Note to be redeemed and the redemption date.

      (11) Notwithstanding the provisions of Paragraph (10) hereof, Term Notes
may be redeemed before maturity without forfeiture of interest upon the death of
any Holder or if the Holder

                                       2


is determined to be legally incompetent by a court or any other administrative
body of competent jurisdiction.

      (12) The principal amount of each Term Note shall be payable in one lump
sum on the Maturity Date thereof; provided, however, that, unless the Company
has received notification of a Holder's intent to have the Company redeem the
Holder's Term Note at or prior to maturity, each Term Note will be automatically
extended for successive terms, each equal in duration to its original term, at
the rate of interest then in effect for Term Notes of comparable maturity.

      (13) The Notes are issuable in any denomination; provided, however, that
(i) the minimum denomination for Term Notes shall be $500 and the Company may,
pursuant to Paragraph (7) hereof, offer higher interest rates on Term Notes of
the same maturity if a higher minimum purchase is met, (ii) the minimum
denomination for a Daily Note shall be $50, and (iii) the Company may from time
to time establish minimum denominations for which Special Daily Notes shall be
issued.

      (14) Transfers of the Notes will be registerable, Notes may be surrendered
for exchange, and principal of and interest on the Notes will be payable, at the
branch offices of Regency Finance Company and its wholly owned subsidiary,
Citizens Financial Services, Inc., at the administrative office of Regency
Finance Company located at 3320 East State Street, Hermitage, Pennsylvania
16148, and at such other locations as the Company may from time to time
determine.

      (15) Interest on a Note which is payable, and is punctually paid or duly
provided for, on any Interest Payment Date shall be paid to the Person in whose
name that Note is registered at the close of business on the last Business Day
prior to the Interest Payment Date, which day shall constitute the Regular
Record Date for such interest payment. Interest not so paid or provided for
shall be paid as set forth in Section 307 of the Indenture.

      (16) The Notes shall not be issued, in whole or in part, in the form of a
global security or securities.

      (17) The Notes will be subordinate to the prior payment when due of the
principal of, and interest on, all Senior Indebtedness.

      (18) The Trustee shall appoint Regency Finance Company and its
wholly-owned subsidiary, Citizens Financial Services, Inc. (together, "Regency
Finance") (or such other entity as may be acceptable to the Company and the
Trustee and shall satisfy the qualifications for serving as Authenticating and
Paying Agent set forth in the Indenture) as Authenticating and Paying Agent for
the Notes, and the principal of (and premium, if any) and interest on the Notes
shall be payable, and any Notes may be surrendered for registration of transfer
or for exchange, at any office of Regency Finance.

      (19) The undersigned has read Sections 102 and 301 of the Indenture, which
allow Securities to be issued pursuant to the Indenture in one or more series,
the particular terms of which are to be established prior to the issuance of the
Securities of any such series.

      (20) The undersigned has examined the aforementioned provisions of the
Indenture and discussed them with representatives of McDonald Hopkins Co., LPA,
counsel to the Company.

                                       3


      (21) The undersigned has made such examination of the Indenture as is
necessary to enable it to express an informed opinion whether all conditions
precedent to the issuance and delivery of the Notes have been complied with.

      (22) The undersigned believes that all conditions precedent to the
issuance and delivery of the Notes have been complied with.

      Capitalized terms used herein and not otherwise defined shall have the
meanings given such terms in the Indenture.

                            [Signature Page Follows]

                                       4


      IN WITNESS WHEREOF, the undersigned has executed this General Partner
Certificate as of the _____ day of January, 2005.

                                            REGENCY CONSUMER FINANCIAL
                                            SERVICES INC.

By: ______________________________         By: _________________________________
Name:   Gary L. Boggs                      Name:  Donald W. Phillips, Jr.
Title:  Secretary/Treasurer                Title: President

Received and Acknowledged by the Trustee

By:_______________________________
Name:   Joseph C. Progar
Title:  Vice President

                                       5