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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 WASHINGTON, D.C. 20549
 FORM 10-K/A
 Amendment No. 1
 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED
DECEMBER 31, 2004
 Commission
File Number (333-60283)
 FIRST NATIONAL BANCSHARES, INC.
  State of Florida
    
    06-1522028(Jurisdiction of Incorporation)
    
    (I.R.S. Employer Identification No.)
 5817 Manatee Avenue West, Bradenton, Florida 34209
 Registrants telephone number, including area code (941) 794-6969
  Title of each Class
    
    Name of each exchange
on which registeredNone
  Common Stock, $.10 par value
  þ o
 þ
  o þ
  DOCUMENTS INCORPORATED BY REFERENCE
in this Form 10-K
    
    Part of Form 10-K into
which incorporatedPortions of the Companys definitive Proxy Statementfor its Annual Meeting of Shareholders to be held May 19, 2005
    
    Part III




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TABLE OF CONTENTS  PART IIItem 8. Financial Statements and Supplementary DataPART IVItem 15. Exhibits and Financial Statement SchedulesSIGNATURESEXHIBIT INDEX302 Certification302 Certification906 Certifications Pursuant to 18 U.S.C Section 1350906 Certifications Pursuant to 18 U.S.C Section 1350Audited Financial Statements    Table of Contents   
 PART II
 
 Item 8. Financial Statements and Supplementary Data.
  Years Ended December 31,(thousands, except share amounts)2004
    
    2003Fourth Quarter
    
    Third Quarter
    
    Second Quarter
    
    First Quarter
    
    Fourth Quarter
    
    Third Quarter
    
    Second Quarter
    
    First Quarter(in thousands, except per share data)Interest and dividend income
    
    $
    4,281
    
    
    $
    4,050
    
    
    $
    3,751
    
    
    $
    3,678
    
    
    $
    3,354
    
    
    $
    3,058
    
    
    $
    3,102
    
    
    $
    3,102Interest expense
    
    
    (1,235
    )
    
    
    (1,074
    )
    
    
    (1,018
    )
    
    
    (978
    )
    
    
    (855
    )
    
    
    (731
    )
    
    
    (768
    )
    
    
    (790
    )Provision for loan losses
    
    
    (12
    )
    
    
    (102
    )
    
    
    (70
    )
    
    
    (130
    )
    
    
    (275
    )
    
    
    (108
    )
    
    
    (18
    )
    
    
    (46
    )Net interest income, after
provision for loan losses
    
    
    3,034
    
    
    
    2,874
    
    
    
    2,663
    
    
    
    2,570
    
    
    
    2,224
    
    
    
    2,219
    
    
    
    2,316
    
    
    
    2,266Non-interest income (charges)
    
    
    (593
    )
    
    
    583
    
    
    
    598
    
    
    
    542
    
    
    
    411
    
    
    
    445
    
    
    
    510
    
    
    
    501Non-interest expenses
    
    
    (2,089
    )
    
    
    (2,152
    )
    
    
    (2,185
    )
    
    
    (2,086
    )
    
    
    (1989
    )
    
    
    (1,905
    )
    
    
    (1,920
    )
    
    
    (1,807
    )Income before income taxes
    
    
    1,538
    
    
    
    1,305
    
    
    
    1,076
    
    
    
    1,026
    
    
    
    646
    
    
    
    759
    
    
    
    906
    
    
    
    960Provision for income taxes
    
    
    (553
    )
    
    
    (467
    )
    
    
    (383
    )
    
    
    (361
    )
    
    
    (217
    )
    
    
    (258
    )
    
    
    (308
    )
    
    
    (337
    )Net income
    
    $
    985
    
    
    $
    838
    
    
    $
    693
    
    
    $
    665
    
    
    $
    429
    
    
    $
    501
    
    
    $
    598
    
    
    $
    623Earnings per common share:Basic
    
    $
    0.30
    
    
    $
    0.26
    
    
    $
    0.21
    
    
    $
    0.20
    
    
    $
    0.14
    
    
    $
    0.16
    
    
    $
    0.19
    
    
    $
    0.20Diluted
    
    $
    0.28
    
    
    $
    0.24
    
    
    $
    0.20
    
    
    $
    0.19
    
    
    $
    0.13
    
    
    $
    0.15
    
    
    $
    0.18
    
    
    $
    0.18Market Price Range1High
    
    $
    26.40
    
    
    $
    28.20
    
    
    $
    22.54
    
    
    $
    23.49
    
    
    $
    14.86
    
    
    $
    13.90
    
    
    $
    14.00
    
    
    $
    14.81Low
    
    $
    24.00
    
    
    $
    19.40
    
    
    $
    16.51
    
    
    $
    14.33
    
    
    $
    12.91
    
    
    $
    11.85
    
    
    $
    12.81
    
    
    $
    12.08




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##### Table of Contents



PART IV
 
 Item 15. Exhibits and Financial Statement Schedules
  Financial Statements and Schedules
 (i)
    
    Report of Independent Auditors Report
    
    F-1(ii)
    
    Balance Sheets
    
    F-2(iii)
    
    Statements of Income
    
    F-3(iv)
    
    Statements of Stockholders Equity
    
    F-4(v)
    
    Statements of Cash Flows
    
    F-5(vi)
    
    Notes to Financial Statements
    
    F-6
   
 SIGNATURES
  FIRST NATIONAL BANCSHARES, INC.August 15, 2005
    
    
    
    By:
    
    /s/ Glen W. Fausset(Date)
    
    
    
    Glen W. Fausset, President




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EXHIBIT INDEX
 Exhibit Number
    
    Description of Document31.1
    
    302 Certifications31.232.1
    
    906 Certifications Pursuant to 18 U.S.C. § 135032.299
    
    Audited Financial Statements