Document:

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                                                                     EXHIBIT 4.6

                               F.N.B. CORPORATION

                              Amended and Restated
                   Officers' Certificate Pursuant to Indenture

         Pursuant to Sections 102 and 301 of the Indenture dated as of May 15,
1992 (the "Indenture), between F.N.B. Corporation (the "Company") and Northern
Central Bank, as Trustee (the "Trustee"), as amended, we Peter Mortensen,
Chairman and President, and David Mogle, Treasurer, respectively, of the
Company, hereby certify, in connection with the issuance by the Company of the
Securities described herein, that:

         (1)      There shall be the following three series of Securities
                  issuable under the Indenture and pursuant to this Officers'
                  Certificate: (i) Subordinated Term Notes (the "Term Notes"),
                  (ii) Subordinated Daily Notes (also sometimes referred to as
                  "Subordinated Daily Cash Account Notes" or "Subordinated Daily
                  Accounts") (the "Daily Notes"), and (iii) Subordinated Special
                  Daily Notes (the "Special Daily Notes") (the Term Notes, the
                  Daily Notes and the Special Daily Notes are sometimes
                  collectively referred to 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 Cash Account shall be due
                  and payable on demand; provided, however, that 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 Account
                  to be redeemed and the redemption date and, provided further,
                  that any partial redemption may not reduce the principal
                  amount of a Daily Cash Account Note to less than $50.

         (5)      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 minimum

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                  principal amount with respect to which a Special Daily Note
                  may be partially redeemed by the Holder thereof shall be
                  $2,500.

         (6)      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.
                  With respect to Daily Notes issued prior to April 15, 1999,
                  the interest rate will be no less than 3% below, or more than
                  5% above, the rate established for the most recent action
                  average of United States Treasury Bills with maturity of 13
                  weeks, subject to the limitation that in no event will the
                  rate of interest payable be more than 16% per annum or less
                  than 5% per annum.

         (6.1)    The rate of interest payable on the Special Daily Notes shall
                  be 8.0% per annum at all times prior to September 30, 2000.
                  Commencing October 1, 2000, the Company may, on the first day
                  of each calendar quarter (each such day referred to as an
                  "Adjustment Date") increase or decrease the rate of interest
                  payable on the Special Daily Notes; provided, however, that
                  (i) the annual rate of interest may not be reduced on any
                  Adjustment Date by more than 0.50% from the rate of interest
                  in effect on the day preceding such Adjustment Date, and (ii)
                  the rate of interest shall not be reduced below 6.5% per annum
                  at any time prior to December 31, 2002. Interest on the
                  Special Daily Notes will accrue daily from the date of
                  issuance and be compounded quarterly.

         (7)      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 15 days prior to the Interest Payment
                  Date, which date 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.

         (8)      Interest on the Notes will be paid by checks mailed to the
                  holders of the Notes. Transfers of the Notes will be
                  registerable, Notes may be surrendered for exchange, and
                  principal of the Notes will be payable, at the branch offices
                  of Regency Finance Company and at the corporate trust office
                  of the Company located at Hermitage Square, Hermitage,
                  Pennsylvania.

         (9)      The Company will have the right, at its option, to call any of
                  the Notes for redemption before maturity at any time. Each
                  partial redemption payment shall be made ratably on all the
                  Outstanding Notes of the particular maturities 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 the Holder not less than thirty
                  (30) days' prior written notice by first class mail of each
                  redemption, specifying, among other things, 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 redeem a Term Note prior to maturity. As to a 3, 6, 9 or 12
                  month Term Note, the Holder shall, upon such redemption,
                  forfeit an amount equal to one month 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 an 18,

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                  24, 30, 36, 48, 60, 84 or 120 month Term Note, the Holder
                  shall 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. 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 of the Term Note. 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. The Company retains the right
                  to require the Holder of any Term Note desiring to so redeem
                  the Term Note to give the Company not less than 30 days prior
                  written notice, by first class mail, of a redemption demanded
                  by the Holder, which notice shall specify the principal amount
                  of the Term Note to be redeemed and the redemption date.

         (11)     The Notes are issuable in any denomination; provided, however,
                  that (i) the minimum denomination for Term Notes shall be
                  $500, (ii) the minimum denomination for Daily Notes shall be
                  $50, and (iii) the Company may from time to time establish
                  minimum denominations for which Special Daily Notes shall be
                  issued.

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

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

         (14)     The Trustee may appoint Regency Finance Company (or such other
                  entity as may be acceptable to the Company and the Trustee) as
                  Authenticating Agent for the Notes.

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

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                                                                     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 one month 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 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 in excess of 30 months,
                  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. 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 the Notes will be
                  payable, at the branch offices of Regency Finance Company and
                  at the corporate office of Regency Finance Company located at
                  Hermitage Square, Hermitage, Pennsylvania.

         (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.

         (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

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<PAGE>

                  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.

         IN WITNESS WHEREOF, each of the undersigned has executed this Second
Officers' Certificate as of the 18th 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:
               -----------------------------

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