EXHIBIT 12

F.N.B. Corporation and Subsidiaries
Computation of Ratio of Earnings to Fixed Charges
Dollars in thousands

	For the Six Months
	Ended June 30				Year Ended December 31
	2005		2004		2004		2003		2002		2001		2000
Earnings:
Income from continuing operations before income taxes	$	46,690	$	45,512	$	89,332	$	36,004	$	44,999	$	42,683	$	58,802
Fixed charges, excluding interest on deposits		20,461		15,566		33,523		31,313		27,461		25,821		23,165
Subtotal		67,421		61,078		122,855		67,317		72,460		68,504		81,967
Interest on deposits		30,235		25,005		52,400		57,710		72,978		111,096		115,377
Total	$	97,656	$	86,083	$	175,255	$	125,027	$	145,438	$	179,600	$	197,344
Fixed charges:
Interest on borrowed funds	$	19,590	$	14,814	$	31,990	$	29,280	$	25,394	$	23,888	$	21,398
Interest component of rental expense		871		752		1,533		2,033		2,067		1,933		1,767
Subtotal		20,461		15,566		33,523		31,313		27,461		25,821		23,165
Interest on deposits		30,235		25,005		52,400		57,710		72,978		111,096		115,377
Total	$	50,696	$	40,571	$	85,923	$	89,023	$	100,439	$	136,917	$	138,542
Ratio of earnings to fixed charges:
Excluding interest on deposits		3.30x		3.92x		3.66x		2.15x		2.64x		2.65x		3.54x
Including interest on deposits		1.93x		2.12x		2.04x		1.40x		1.45x		1.31x		1.42x