Document:

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                                                                     EXHIBIT 4.1

                                   ____ MONTH

                       SUBORDINATED TERM NOTE SERIES 2003

                               F.N.B. CORPORATION
                            2150 GOODLETTE ROAD NORTH
                              NAPLES, FLORIDA 34102

Date of Issue                             No.
              ----------------------          ---------------------------------

Stated Maturity
                ----------------------------------------------------------------

         FOR VALUE RECEIVED, F.N.B. Corporation (the "Issuer") hereby promises
to pay the principal amount of _______________________________________________
Dollars ($__________________________) _______________ calendar months after the
date of issue to

Name
     ---------------------------------------------------------------------------

Soc. Sec. or E.I. No.
                       ---------------------------------------------------------

Address
        ------------------------------------------------------------------------

(the "Holder"), in the manner provided for on the reverse side hereof. This
Subordinated Term Note shall bear interest on the unpaid principal amount from
the date of issue until paid at the rate of __________________________________
percent (___%) per annum, such interest to be payable as set forth below.

         Upon, and during the continuance of any Event of Default, then, and in
any such event, the principal of the Securities of this series may be declared
immediately due and payable in the manner and with the effect provided in the
Indenture.

         By acceptance of this Subordinated Term Note, the Holder agrees that
its rights and remedies against the Issuer with respect to the Issuer's
obligations hereon shall be and remain subordinate to the extent and in the
manner set forth on the reverse side hereof. This Subordinated Term Note is
subject to redemption prior to maturity. Interest adjustment and certain other
terms are set forth on the reverse side hereof.

            Unless the Certificate of Authentication hereon has been executed by
the Trustee referred to on the reverse side hereof, either directly or through
an Authenticating Agent, by the manual or facsimile signature of an authorized
signer, this Subordinated Term Note shall not be entitled to any benefit under
the Indenture or be valid or obligatory for any purpose.

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Terms 3- or 6-Month                          Terms 9- thru 120-Month

Interest at the above rate will be           Interest at the above rate will be

________  Paid Monthly                       ________ Paid Monthly
________  Paid at Maturity                   ________ Paid Quarterly
                                             ________ Compounded Quarterly

AUTHENTICATION CERTIFICATE: This Subordinated Term Note is one of the Securities
of the series designated herein referred to in the within-mentioned Indenture.

J.P.MORGAN TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee
    By: Authenticating Agent

---------------------------------
   Authorized Signature

THIS SECURITY IS NOT A SAVINGS ACCOUNT OR AN OBLIGATION OF AN INSURED DEPOSITORY
INSTITUTION AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION
(FDIC).

ATTEST:                                   F.N.B. CORPORATION

By:                                    By:
    ------------------------------        --------------------------------------
    Secretary                             President and Chief Executive Officer

[SEAL]

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                                [Reverse of Note]

         This Subordinated Term Note Series 2003 is one of a duly authorized
issue of securities of the Issuer (each a "Security" and, together, the
"Securities"), issued and to be issued in one or more series under an Indenture,
dated as of May 15, 1992 (herein called the "Indenture"), between the Issuer and
J.P.Morgan Trust Company, National Association, as successor to Northern Central
Bank, as trustee (herein called the "Trustee", which term includes any successor
Trustee under the Indenture), to which Indenture and all indentures supplemental
thereto reference is hereby made for a statement of the respective rights,
limitations, duties and immunities thereunder of the Issuer, the Trustee and the
Holders of the Securities, and of the terms upon which the Securities are, and
are to be, authenticated and delivered.

         PAYMENT AND INTEREST ACCRUAL. Payment of the principal of and interest
on this Security shall be made in lawful money of the United States at any
office of Regency Finance Company, the Issuer's agent, or at such other place as
the Issuer may designate to the Holder in writing ("Place of Payment");
provided, however, that any such payment may be made, at the option of the
Issuer, by check mailed to the registered address of the Holder. Upon payment or
tender of payment hereof at maturity or earlier redemption (in whole), this
Security shall be surrendered to the Issuer for cancellation at the Place of
Payment. Unless otherwise agreed in writing by the Issuer, interest hereon shall
cease to accrue, and the Issuer shall have no further liability with respect
thereto, upon payment (or tender of payment in the aforesaid manner) of the
principal amount hereof at maturity or earlier redemption.

         This Security will be automatically extended for successive terms,
equal in duration to the original term hereof, at the rate(s) of interest then
in effect for Securities of comparable maturity unless, prior to maturity, the
Issuer receives notification of the Holder's election to have the Company redeem
this Security. All of the terms and conditions applicable to this Security when
issued will also apply during each period of extension.

         OPTIONAL REDEMPTION BY ISSUER. The Securities of this series are
subject to redemption upon not less than 30 days' notice by first class mail, at
any time, as a whole or in part, at the election of the Issuer, without premium,
together with accrued interest to the Redemption Date, but any interest
installment, which is due and payable on or prior to such Redemption Date, will
be payable to the Holders of such Securities, or one or more Predecessor
Securities, of record at the close of business on the relevant Record Dates, all
as provided in the Indenture. Each partial redemption payment shall be made
ratably on all the Outstanding Securities of such series called for redemption.

         REDEMPTION PRIOR TO MATURITY BY HOLDER. The Holder shall have the right
at its option to have the Company redeem this Security in whole or in part at
any time prior to maturity; provided, however, that the Issuer may require the
Holder to give the Issuer no less than 30 days' prior written notice by U.S.
registered mail of a redemption demanded by the Holder, which notice shall
specify the principal amount of the Security to be redeemed and the redemption
date. Upon such redemption, the Holder shall forfeit, regardless of the length
of time that this Security has been Outstanding, an amount equal to (i) three
months of interest earned, or that could have been earned, if this Security has
a term of 12 months or less, (ii) six months of

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interest earned, or that could have been earned, if this Security has a term of
between 15 and 30 months, inclusive, or (iii) nine months of interest earned, or
that could have been earned, if this Security has a term in excess of 30 months,
in each case calculated on the amount redeemed at the rate being paid on this
Security. Where necessary to comply with the requirements of this paragraph, any
interest already paid to or for the account of the Holder shall be deducted from
the amount redeemed. Holders shall also have the right to have the Issuer make
partial redemptions prior to maturity; provided, however, that a minimum
outstanding principal amount of $500 is maintained. The above-mentioned
forfeitures shall be calculated only upon the amount so redeemed. This Security
may be redeemed before maturity without forfeiture upon the death of the Holder
of this Security or when the Holder of this Security is determined to be legally
incompetent by a court or other administrative body of competent jurisdiction.

         In the event of redemption of this Security in part only, a new
Security or Securities of this series for the unredeemed portion hereof will be
issued in the name of the Holder hereof upon the cancellation hereof.

         ASSIGNMENT. As provided in the Indenture and subject to certain
limitations therein set forth, this Security shall not be transferable except by
endorsement and delivery by the Holder, or his duly authorized representative at
the Place of Payment referred to above and, upon surrender to the Issuer with
proper endorsement, a new instrument of like tenor shall be issued in the name
of the transferee. The Issuer may require payment of a service charge along with
a sum sufficient to cover any tax or other governmental charge payable in
connection therewith. Unless and until transferred in the manner aforesaid, the
Issuer, the Trustee and any agent of either of them may treat the Holder whose
name or names appear on the face of this instrument as the absolute owner hereof
for all purposes. If this Security is payable to two or more persons, they shall
be deemed to be joint tenants with right of survivorship and any and all
payments herein shall be made to either, or the survivor of them.

         SUBORDINATION. The indebtedness evidenced by this Security is
subordinate to the prior payment when due of the principal of and interest on
all Senior Indebtedness (as such term is defined below). Upon maturity of any
Senior Indebtedness, payment in full must be made on such Senior Indebtedness
before any payment is made on or in respect of this Security. During the
continuance of any default in payment of principal of (or premium, if any) or
interest or sinking fund on any Senior Indebtedness, or any other event of
default with respect to Senior Indebtedness pursuant to which the holders
thereof have accelerated the maturity thereof, no direct or indirect payment may
be made or agreed to be made by the Issuer on or in respect of this Security.
Upon any distribution of assets of the Issuer in any dissolution, winding up,
liquidation or reorganization, payment of the principal of and interest on this
Security will be subordinated, to the extent and in the manner set forth in the
Indenture, to the prior payment in full of all Senior Indebtedness. The
Indenture does not limit the Issuer's ability to increase the amount of Senior
Indebtedness or to incur any additional indebtedness in the future that may
affect the Issuer's ability to make payments under this Security. Except as
described above, the obligation of the Issuer to make payment of principal or
interest on this Security will not be affected. The Holder of this Security will
be subrogated to the rights of the holders of the Senior Indebtedness to the
extent of payments made on Senior Indebtedness out of the distributive share of
the Security. By reason of such subordination, in the event of a distribution of
assets upon

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insolvency, certain general creditors of the Issuer may recover more, ratably,
than Holders of the Securities.

         "Senior Indebtedness" means Indebtedness of the Issuer outstanding at
any time, other than Indebtedness of the Issuer to a Subsidiary for money
borrowed or advanced from any such Subsidiary, except Indebtedness which by its
terms is not superior in right of payment to the Securities. "Indebtedness"
means (1) any debt of the Issuer (i) for borrowed money or (ii) evidenced by a
note, debenture or similar instrument (including a purchase money obligation)
given in connection with the acquisition of any property or assets, including
securities; (2) any debt of others described in the preceding clause (1) which
the Issuer has guaranteed or for which it is otherwise liable; and (3) any
amendment, renewal, extension or refunding of any such debt.

         In any case where any Interest Payment Date, Redemption Date or Stated
Maturity of any Security shall not be a Business Day at any Place of Payment,
then (notwithstanding any other provision of the Indenture or of this Security)
payment of principal and interest need not be made at such Place of Payment on
such date, but may be made on the next succeeding Business Day at such Place of
Payment with the same force and effect as if made on the Interest Payment Date
or Redemption Date, or at the Stated Maturity, provided that no interest shall
accrue for the period from and after such Interest Payment Date, Redemption Date
or Stated Maturity, as the case may be.

         The Indenture permits, with certain exceptions as therein provided, the
amendment thereof and the modification of the rights and obligations of the
Issuer and the rights of the Holders of the Securities of each series to be
affected under the Indenture at any time by the Issuer and the Trustee with the
consent of the Holders of not less than 50% in principal amount of the
Securities at the time Outstanding of each series to be affected. The Indenture
also contains provisions permitting the Holders of specified percentages in
aggregate principal amount of the Securities of each series at the time
Outstanding, on behalf of the Holders of all Securities of such series, to waive
compliance by the Issuer with certain provisions of the Indenture and certain
past defaults under the Indenture and their consequences. Any such consent or
waiver by the Holder of this Security shall be conclusive and binding upon such
Holder and upon all future Holders of this Security and of any Security issued
upon the registration of transfer hereof or in exchange hereof or in lieu
hereof, whether or not notation of such consent or waiver is made upon this
Security.

         The Securities of this series are issuable only in registered form
without coupons in any denomination; provided, however, that the minimum
denomination shall be $500.

         All terms used in this Security which are defined in the Indenture and
not otherwise defined herein shall have the meanings assigned to them in the
Indenture.

                                       5<PAGE>

                                                                     EXHIBIT 4.7

                               F.N.B. CORPORATION

               Second Officers' Certificate Pursuant to Indenture

         Pursuant to Sections 102 and 301 of the Indenture dated as of May 15,
1992, as amended (the "Indenture), between F.N.B. Corporation (the "Company")
and J.P. Morgan Trust Company, N.A., as successor to Northern Central Bank, as
Trustee (the "Trustee"), the undersigned hereby certify, in connection with the
issuance by the Company of the Securities described herein, that:

         (1)      There shall be the following series of Securities issuable
                  under the Indenture and pursuant to this Officers'
                  Certificate: (i) Subordinated Term Notes Series 2003 having
                  the following maturities (with the notes of each maturity
                  constituting a separate series under the Indenture): 3, 6, 9,
                  12, 15, 18, 21, 24, 27, 30, 36, 48, 60, 84 and 120 months
                  (collectively, the "Term Notes"); and (ii) Subordinated
                  Special Daily Notes Series 2003 (the "Special Daily Notes")
                  (the Term Notes and the 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 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.

         (4)      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.

         (5)      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.

         (6)      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.

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         (7)      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 be made ratably on all the
                  Outstanding Notes of the series called for redemption.
                  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 thirty (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.

         (8)      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.

         (9)      Notwithstanding the provisions of Paragraph (8) hereof, Term
                  Notes may be redeemed before maturity without forfeiture of
                  interest upon the death of any Holder or if the Holder is
                  determined to be legally incompetent by a court or any other
                  administrative body of competent jurisdiction.

         (10)     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

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                  successive terms, each equal in duration to its original term,
                  at the rate of interest then in effect for Term Notes of
                  comparable maturity.

         (11)     The Holder of a Special Daily Note may require the Company to
                  redeem the Special Daily Note, in whole or part, on demand;
                  provided, however, that (i) the Company may 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 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 (iii) 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.

         (12)     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 (4) hereof, offer
                  higher interest rates on Term Notes of the same maturity if a
                  higher minimum purchase is met, and (ii) the Company may from
                  time to time establish minimum denominations for which Special
                  Daily Notes shall be issued.

         (13)     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, at the corporate office of Regency Finance
                  Company located at Hermitage Square, Hermitage, Pennsylvania,
                  and at such other locations as the Company may from time to
                  time determine.

         (14)     Interest on the Notes 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.

         (15)     The Notes shall not be issued, in whole or in part, in the
                  form of a global Security or Securities.

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

         (17)     The Trustee shall appoint Regency Finance Company (or such
                  other entity as may be acceptable to the Company and the
                  Trustee and shall satisfy the qualifications for serving as
                  Authenticating Agent set forth in the Indenture) as
                  Authenticating Agent for the Notes.

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<PAGE>

         (18)     We have 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.

         (19)     We have examined the aforementioned provisions of the
                  Indenture and discussed them with representatives of Smith,
                  Gambrell & Russell, LLP, counsel to the Company.

         (20)     We have made such examination of the Indenture as is necessary
                  to enable us to express an informed opinion whether all
                  conditions precedent to the issuance and delivery of the Notes
                  have been complied with.

         (21)     We believe 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 -

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         IN WITNESS WHEREOF, each of the undersigned has executed this Second
Officers' Certificate as of the 19th day of March, 2003.

                                      ------------------------------------------
                                      Thomas E. Fahey, Executive Vice President
                                      and Chief Financial Officer

                                      ------------------------------------------
                                      Charles C. Casalnova, Corporate Counsel

         Received and Acknowledged by the Trustee

         By:
            -----------------------------------
         Name:
              ---------------------------------
         Title:
               --------------------------------

                                     - 5 -

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