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<TITLE>FIRST NATIONAL BANKSHARES OF FLORIDA, INC.</TITLE>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="2">As filed with the Securities and
Exchange Commission on January&nbsp;15, 2004
</FONT>

<div align="right"><FONT size="2">Registration No.&nbsp;333-____
</FONT></div>


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<P align="center"><FONT size="4"><B>SECURITIES AND EXCHANGE COMMISSION</B>
</FONT>

<div align="center"><FONT size="3"><B>Washington, D.C. 20549</B>
</FONT>
</DIV>

<P align="center"><FONT size="5"><B>FORM S-8</B></FONT>

<div align="center"><FONT size="2"><B>REGISTRATION STATEMENT<BR>
UNDER<BR>
THE SECURITIES ACT OF 1933</B>
</FONT></div>

<P align="center"><FONT size="5"><B>First National Bankshares of Florida, Inc.</B></FONT>

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<div align="center"><FONT size="2">(Exact name of registrant as specified in its charter)</FONT>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">Florida</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
20-0175526</FONT></TD>
</TR>
<TR>
    <TD align="center" valign="top"><HR size="1" noshade></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
<HR size="1" noshade></FONT></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">(State or other jurisdiction of<BR>
incorporation or organization)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
(I.R.S. Employer Identification Number)</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="center"><FONT size="2">2150 Goodlette Road North, Naples, Florida 34102</FONT>

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<div align="center"><FONT size="2">(Address of Principal Executive Offices)
</FONT></div>

<P align="center"><FONT size="2"><u><B>First National Bankshares of Florida, Inc. Salary Savings Plan<BR>
Roger Bouchard Insurance, Inc. 401(k) Plan</B></u><BR>
(Full Title of the Plans)
</FONT>

<P align="center"><FONT size="2">Gary L. Tice, Chairman and Chief Executive Officer<BR>
First National Bankshares of Florida, Inc.<BR>
2150 Goodlette Road North<BR>
Naples, Florida 34102<BR>
(239)&nbsp;262-7600
</FONT>

<P align="center"><FONT size="2">(Name, address and telephone number, including<BR>
area code, of agent for service)
</FONT>

<P align="center"><FONT size="2">Copy Requested to:<BR>
Robert C. Schwartz, Esq.<BR>
Smith, Gambrell &#038; Russell, LLP<BR>
1230 Peachtree Street, N.E., Suite&nbsp;3100<BR>
Atlanta, Georgia 30309<BR>
(404)&nbsp;815-3758
</FONT>

<P align="center"><FONT size="2">CALCULATION OF REGISTRATION FEE</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="33%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="21%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<TR>
    <TD colspan="15" align="left"><HR size="4" noshade></TD>
</TR>
<TR  valign="bottom">
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Proposed Maximum</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>&nbsp;</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Title of Securities</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Amount to be</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Offering Price Per</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Aggregate Offering</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Amount of</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>to be Registered<SUP>(1)</SUP></B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Registered</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Share<SUP>(4)</SUP></B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Price(4)</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center" colspan="3"><FONT size="1"><B>Registration Fee</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD colspan="3"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Common stock, $.01 par</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">2,000,000</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">value per share</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Shares<SUP>(2)</SUP></FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">17.125</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">34,250,000</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2,771</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD colspan="15" align="left"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Common stock, $.01 par</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">35,000</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">value per share</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">Shares<SUP>(3)</SUP></FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">17.125</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">599,375</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">49</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD colspan="15" align="left"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">TOTAL</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><DIV style="margin-left:10px; text-indent:-10px"><FONT size="2">2,035,000 shares</FONT></DIV></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">17.125</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">34,849,375</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">$</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">2,820</FONT></TD>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
<TR>
    <TD colspan="15" align="left"><HR size="4" noshade></TD>
</TR>
</TABLE>
</DIV>

<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="4%" nowrap align="right"><FONT size="2">(1)
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">In addition, pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), this registration statement also
covers an indeterminate amount of interests to be offered or sold pursuant to the employee benefit plans described herein.</FONT></TD>
</TR>
<TR valign="top">
       <TD width="4%" nowrap align="right"><FONT size="2">(2)
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">Represents the amount of shares authorized to be issued under the First National Bankshares of Florida, Inc. Salary Savings Plan.
</FONT></TD>
</TR>

<TR valign="top">
       <TD width="4%" nowrap align="right"><FONT size="2">(3)
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">Represents the amount of shares authorized to be issued under the Roger Bouchard Insurance, Inc. 401(k) Plan.
</FONT></TD>
</TR>
<TR valign="top">
       <TD width="4%" nowrap align="right"><FONT size="2">(4)
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">Pursuant to Rule 457(h) of the Securities Act, based upon the average of the high and low prices of the registrant&#146;s common stock reported
on the New York Stock Exchange on January&nbsp;8, 2004.
</FONT></TD>
</TR>
</TABLE>

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</TR>
<TR><TD colspan="9"><A HREF="#000">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">Exhibit&nbsp;Index</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86686exv5w1.txt">EX-5.1 OPINION OF SMITH, GAMBRELL & RUSSELL LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86686exv5w2.txt">EX-5.2 IRS DETERMINATION LETTER</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86686exv5w3.txt">EX-5.3 IRS DETERMINATION LETTER</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86686exv23w2.txt">EX-23.2 CONSENT OF ERNST & YOUNG LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="g86686exv24w1.txt">EX-24.1 POWERS OF ATTORNEY</A></TD></TR>
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<P align="center"><FONT size="2"><B>Part II</B>
</FONT>

<P align="center"><FONT size="2"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</FONT>

<P align="left"><FONT size="2"><B>Item&nbsp;3.</B>&nbsp;&nbsp;&nbsp; <B>Incorporation of Documents by Reference.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents filed by First National Bankshares of Florida,
Inc. (the &#147;Company&#148;) with the Commission are hereby incorporated by reference:
</FONT>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="4%" nowrap align="right"><FONT size="2">1.
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">The Company&#146;s Registration Statement on Form&nbsp;10 filed
December&nbsp;22, 2003 (&#147;Form&nbsp;10&#148;); and
</FONT></TD>
</TR>
</TABLE>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="4%" nowrap align="right"><FONT size="2">2.
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">The description of the Company&#146;s Common Stock contained in
the Form&nbsp;10, including any amendment or report filed for the purpose
of updating such description.
</FONT></TD>
</TR>
</TABLE>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents filed by the Company, the First National Bankshares of
Florida, Inc. Salary Savings Plan and the Roger Bouchard Insurance, Inc. 401(k)
Plan pursuant to Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Exchange Act after
the date of this Registration Statement, and prior to the filing of a
post-effective amendment which indicates that all securities offered hereby
have been sold or which de-registers all securities then remaining unsold,
shall be deemed to be incorporated by reference in this Registration Statement
and to be a part hereof from the date of filing of such documents. Any
statement contained in a document incorporated by reference herein shall be
deemed to be modified or superseded for purposes of this Registration Statement
to the extent that a statement contained herein or in any other subsequently
filed document which also is or is deemed to be incorporated by reference
herein modifies or supersedes such statement. Any statement so modified or
superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;4.</B>&nbsp;&nbsp;&nbsp; <B>Description of Securities.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No response is required to this item.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;5.</B>&nbsp;&nbsp;&nbsp; <B>Interests of Named Experts and Counsel.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No response is required to this item.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;6.</B>&nbsp;&nbsp;&nbsp; <B>Indemnification of Officers and Directors.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Florida Business Corporation Act, as amended (the &#147;Florida Act&#148;),
provides that, in general, a business corporation may indemnify any person
who is or was a party to any proceeding (other than an action by, or in the
right of, the corporation) by reason of the fact that he or she is or was a
director or officer of the corporation, against liability incurred in
connection with such proceeding, including any appeal thereof, provided
certain standards are met, including that such officer or director acted in
good faith and in a manner he or she reasonably believed to be in, or not
opposed to, the best interests of the corporation, and provided further
that, with respect to any criminal action or proceeding, the officer or
director had no reasonable cause to believe his or her conduct was
unlawful.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the case of proceedings by or in the right of the corporation, the
Florida Act provides that, in general, a corporation may indemnify any
person who was or is a party to any such proceeding by reason of the fact
that he or she is or was a director or officer of the corporation against
</FONT>

<P align="center"><FONT size="2">&nbsp;
</FONT>
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<P align="left"><FONT size="2">expenses and amounts paid in settlement actually and reasonably incurred in
connection with the defense or settlement of such proceeding, including any
appeal thereof, provided that such person acted in good faith and in a
manner he or she reasonably believed to be in, or not opposed to, the best
interests of the corporation, except that no indemnification shall be made
in respect of any claim as to which such person is adjudged liable unless a
court of competent jurisdiction determines upon application that such
person is fairly and reasonably entitled to indemnity. To the extent that
any officers or directors are successful on the merits or otherwise in the
defense of any of the proceedings described above, the Florida Act provides
that the corporation is required to indemnify such officers or directors
against expenses actually and reasonably incurred in connection therewith.
However, the Florida Act further provides that, in general, indemnification
or advancement of expenses shall not be made to or on behalf of any officer
or director if a judgment or other final adjudication establishes that his
or her actions, or omissions to act, were material to the cause of action
so adjudicated and constitute: (i)&nbsp;a violation of the criminal law, unless
the director or officer had reasonable cause to believe his or her conduct
was lawful or had no reasonable cause to believe it was unlawful; (ii)&nbsp;a
transaction from which the director or officer derived an improper personal
benefit; (iii)&nbsp;in the case of a director, a circumstance under which the
director has voted for or assented to a distribution made in violation of
the Florida Act or the corporation&#146;s articles of incorporation; or (iv)
willful misconduct or a conscious disregard for the best interests of the
corporation in a proceeding by or in the right of the corporation to
procure a judgment in its favor or in a proceeding by or in the right of a
shareholder.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s Articles of Incorporation provide that the Company shall
indemnify its directors and officers to the fullest extent permitted by law
in connection with any actual or threatened action, suit or proceedings,
civil, criminal, administrative, investigative or other (whether brought by
or in the right of the Company or otherwise) arising out of their service
to the Company or to another organization at the Company&#146;s request, or
because of their positions with the Company. The Articles further provide
that the Company may purchase and maintain insurance to protect itself and
any such director or officer against any liability, cost or expense
asserted against or incurred by him in respect of such service, whether or
not the Company would have the power to indemnify him against such
liability by law or under the provisions of this paragraph.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s Bylaws provide that to the fullest extent permitted by
law, no director of the Company shall be personally liable for monetary
damages for any action taken, or any failure to take any action.
</FONT>
<P align="left"><FONT size="2"><B>Item&nbsp;7.</B>&nbsp;&nbsp;&nbsp; <B>Exemption From Registration Claimed.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No response to this item is required.
</FONT>
<P align="center"><FONT size="2">&nbsp;
</FONT>
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<P align="left"><FONT size="2"><B>Item&nbsp;8.</B>&nbsp;&nbsp;&nbsp; <B>Exhibits.</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are filed with or incorporated by reference in this
Registration Statement:
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="75%">
<TR valign="bottom">
    <TD width="9%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="86%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Exhibit</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>&nbsp;</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Number</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Description of Exhibit</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">4.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Articles of Incorporation of the Company (incorporated
by reference to Exhibit&nbsp;3.1 of the Company&#146;s Registration
Statement on Form&nbsp;10 filed October&nbsp;31, 2003)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">4.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Bylaws of the Company (incorporated by reference to
Exhibit&nbsp;3.2 of the Company&#146;s Registration Statement on Form&nbsp;10
filed October&nbsp;31, 2003)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">5.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Opinion of Smith, Gambrell &#038; Russell, LLP.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">5.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Internal Revenue Service determination letter regarding
the First National Bankshares of Florida, Inc. Salary Savings
Plan.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">5.3</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Internal Revenue Service determination letter regarding
the Roger Bouchard Insurance, Inc. 401(k) Plan.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">23.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of Smith, Gambrell &#038; Russell, LLP (contained in Exhibit&nbsp;5.1)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">23.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Consent of Ernst &#038; Young LLP.</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">24.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Powers of Attorney.</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="left"><FONT size="2"><B>Item&nbsp;9.</B>&nbsp;&nbsp;&nbsp; <B>Undertakings.</B>
</FONT>

<P align="left"><FONT size="2">The Company hereby undertakes:
</FONT>
<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%"><FONT size="2">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement:
</FONT>

<P align="left" style="margin-left: 5%; margin-right: 0%"><FONT size="2">(i)&nbsp;To include any prospectus required by Section&nbsp;10(a)(3) of the
Securities Act;
</FONT>

<P align="left" style="margin-left: 5%; margin-right: 0%"><FONT size="2">(ii)&nbsp;To reflect in the prospectus any facts or events arising after the
effective date of this registration statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set forth in
this registration statement; and
</FONT>

<P align="left" style="margin-left: 5%; margin-right: 0%"><FONT size="2">(iii)&nbsp;To include any material information with respect to the plan of
distribution not previously disclosed in this registration statement or
any material change to such information in this registration statement;
</FONT>

<P align="left" style="margin-left: 5%; margin-right: 0%"><FONT size="2">provided, however, that clauses (i)&nbsp;and (ii)&nbsp;do not apply if the
information required to be included in a post-effective amendment by
those clauses is contained in periodic reports filed with or
</FONT>

<P align="center"><FONT size="2">&nbsp;
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%"><FONT size="2"></FONT>

<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%"><FONT size="2">furnished to the Commission by the Company pursuant to Section&nbsp;13 or
15(d) of the Exchange Act that are incorporated by reference in this
registration statement.
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
</FONT>
<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the termination
of the offering.
</FONT>
<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%"><FONT size="2">(b)&nbsp;That, for purposes of determining any liability under the Securities Act,
each filing of the Company&#146;s annual report pursuant to Section 13(a) or 15(d)
of the Exchange Act (and each filing of the Plan&#146;s annual report pursuant to
Section 15(d) of the Exchange Act) that is incorporated by reference in this
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
</FONT>
<P align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%"><FONT size="2">(h)&nbsp;Insofar as indemnification for liabilities arising under the Securities
Act may be permitted to directors, officers and controlling persons of the
Company pursuant to the foregoing provisions, or otherwise, the Company has
been advised that in the opinion of the Commission such indemnification is
against public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Company of expenses incurred or paid
by a director, officer or controlling person of the Company in the successful
defense of any action, suit or proceeding) is asserted by such director,
officer or controlling person in connection with the securities being
registered, the Company will, unless in the opinion of its counsel the matter
has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question whether such indemnification by it is against public
policy as expressed in the Securities Act and will be governed by the final
adjudication of such issue.
</FONT>

<P align="center"><FONT size="2">&nbsp;
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="000"></A></DIV>
<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>The Company. </I>Pursuant to the requirements of the Securities Act of 1933,
the Company certifies that it has reasonable grounds to believe that it meets
all of the requirements for filing on Form S-8 and has duly caused this
registration statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Naples, State of Florida, on this 9th day of
January, 2004.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="65%">
<TR valign="bottom">
    <TD width="11%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="76%">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" valign="top" align="left"><FONT size="2"><B>FIRST NATIONAL BANKSHARES OF FLORIDA, INC.</B></FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ Gary L. Tice<BR>
</FONT><HR size="1" noshade><FONT size="2">
Gary L. Tice, Chairman and Chief Executive Officer</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ Robert T. Reichert<BR>
</FONT><HR size="1" noshade><FONT size="2">
Robert T. Reichert, Chief Financial Officer</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this
registration statement has been signed below by the following persons in the
following capacities on the dates indicated.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="32%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="37%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="21%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Signature</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Title</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Date</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">/s/ Gary L. Tice</FONT><HR size="1" noshade><FONT size="2">
Gary L. Tice</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Chairman and<BR>
Chief Executive Officer
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*<BR>
</FONT><HR size="1" noshade><FONT size="2">
Alan C. Bomstein</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*<BR>
</FONT><HR size="1" noshade><FONT size="2">
Charles T. Cricks</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*<BR>
</FONT><HR size="1" noshade><FONT size="2">
James S. Lindsay</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*<BR>
</FONT><HR size="1" noshade><FONT size="2">
Edward J. Mace</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*<BR>
</FONT><HR size="1" noshade><FONT size="2">
G. Scott Baton, II</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">*<BR>
</FONT><HR size="1" noshade><FONT size="2">
David A. Straz, Jr.</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
Director
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">January 9, 2004</FONT></TD>
</TR>
</TABLE>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="73%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="66%">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="left" nowrap valign="top"><FONT size="2">*By:</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
/s/ Robert T. Reichert<BR>
</FONT><HR size="1" width="50%" noshade><FONT size="2">
Robert T. Reichert, as Attorney-in-Fact
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>


<P align="center"><FONT size="2">&nbsp;
</FONT>
<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
       <TD width="1%" nowrap align="right"><FONT size="2">&nbsp;
</FONT></TD>
 <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
 <TD><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>First National Bankshares of Florida, Inc. Salary Savings Plan. </I>Pursuant
to the requirements of the Securities Act of 1933, the trustees (or other
persons who administer the employee benefit plan) have duly caused this
registration statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Naples, State of Florida, on this 9th day of
January, 2004.
</FONT></TD>
</TR>
</TABLE>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="42%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="37%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="5" valign="top" align="left"><FONT size="2">First National Bankshares of Florida,<BR>
Inc. Salary Savings Plan</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ Gary L. Tice<BR>
</FONT><HR size="1" noshade><FONT size="2">
Gary L. Tice<BR>
Chairman and Chief Executive Officer<BR>
First National Bankshares of Florida, Inc.<BR>
(Administrator of the Plan)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>

<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Roger Bouchard Insurance, Inc. </I><I>401(k)</I><I> Plan. </I>Pursuant to the requirements
of the Securities Act of 1933, the trustees (or other persons who administer
the employee benefit plan) have duly caused this registration statement to be
signed on its behalf by the undersigned, thereunto duly authorized, in the City
of Naples, State of Florida, on this 12th day of January, 2004.
</FONT>
<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="43%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="34%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="5" valign="top" align="left"><FONT size="2">Roger Bouchard Insurance, Inc. 401(k) Plan</FONT></TD>
</TR>

<TR><TD><FONT size="2">&nbsp;</FONT></TD></TR>
<TR valign="bottom">
    <TD align="center" nowrap valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ Tim A. Bouchard<BR>
</FONT><HR size="1" noshade><FONT size="2">
Tim A. Bouchard<BR>
Chief Operating Officer<BR>
Roger Bouchard Insurance, Inc.<BR>
(Administrator of the Plan)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
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    <TD nowrap align="left"><FONT size="1"><B>Number</B></FONT></TD>
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    <TD nowrap align="center"><FONT size="1"><B>Description of Exhibit</B></FONT></TD>
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    <TD valign="top"><FONT size="2">4.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Articles of Incorporation of the Company (incorporated
by reference to Exhibit&nbsp;3.1 of the Company&#146;s Registration
Statement on Form&nbsp;10 filed October&nbsp;31, 2003)</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">4.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Bylaws of the Company (incorporated by reference to
Exhibit&nbsp;3.2 of the Company&#146;s Registration Statement on Form&nbsp;10
filed October&nbsp;31, 2003)</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">5.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Opinion of Smith, Gambrell &#038; Russell, LLP.</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">5.2</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Internal Revenue Service determination letter regarding
the First National Bankshares of Florida, Inc. Salary Savings
Plan.</FONT></TD>
</TR>

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    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
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<TR valign="bottom">
    <TD valign="top"><FONT size="2">5.3</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Internal Revenue Service determination letter regarding
the Roger Bouchard Insurance, Inc. 401(k) Plan.</FONT></TD>
</TR>

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    <TD><FONT size="2">&nbsp;</FONT></TD>
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    <TD valign="top"><FONT size="2">23.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
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Consent of Smith, Gambrell &#038; Russell, LLP (contained in Exhibit&nbsp;5.1)</FONT></TD>
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Consent of Ernst &#038; Young LLP.</FONT></TD>
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    <TD valign="top"><FONT size="2">24.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
Powers of Attorney.</FONT></TD>
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FIRST NATIONAL BANKSHARES OF FLORIDA, INC.
Table of Contents
As filed with the Securities and
Exchange Commission on January 15, 2004
Registration No. 333-____
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
First National Bankshares of Florida, Inc.
(Exact name of registrant as specified in its charter)
Florida
20-0175526
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer Identification Number)
2150 Goodlette Road North, Naples, Florida 34102
(Address of Principal Executive Offices)
First National Bankshares of Florida, Inc. Salary Savings Plan
Roger Bouchard Insurance, Inc. 401(k) Plan
(Full Title of the Plans)
Gary L. Tice, Chairman and Chief Executive Officer
First National Bankshares of Florida, Inc.
2150 Goodlette Road North
Naples, Florida 34102
(239) 262-7600
(Name, address and telephone number, including
area code, of agent for service)
Copy Requested to:
Robert C. Schwartz, Esq.
Smith, Gambrell & Russell, LLP
1230 Peachtree Street, N.E., Suite 3100
Atlanta, Georgia 30309
(404) 815-3758
CALCULATION OF REGISTRATION FEE
Proposed Maximum
Proposed Maximum
Title of Securities
Amount to be
Offering Price Per
Aggregate Offering
Amount of
to be Registered
(1)
Registered
Share
(4)
Price(4)
Registration Fee
Common stock, $.01 par
2,000,000
value per share
Shares
(2)
$
17.125
$
34,250,000
$
2,771
Common stock, $.01 par
35,000
value per share
Shares
(3)
$
17.125
$
599,375
$
49
TOTAL
2,035,000 shares
$
17.125
$
34,849,375
$
2,820
(1)
In addition, pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the "Securities Act"), this registration statement also
covers an indeterminate amount of interests to be offered or sold pursuant to the employee benefit plans described herein.
(2)
Represents the amount of shares authorized to be issued under the First National Bankshares of Florida, Inc. Salary Savings Plan.
(3)
Represents the amount of shares authorized to be issued under the Roger Bouchard Insurance, Inc. 401(k) Plan.
(4)
Pursuant to Rule 457(h) of the Securities Act, based upon the average of the high and low prices of the registrant's common stock reported
on the New York Stock Exchange on January 8, 2004.
TABLE OF CONTENTS
SIGNATURES
Exhibit Index
EX-5.1 OPINION OF SMITH, GAMBRELL & RUSSELL LLP
EX-5.2 IRS DETERMINATION LETTER
EX-5.3 IRS DETERMINATION LETTER
EX-23.2 CONSENT OF ERNST & YOUNG LLP
EX-24.1 POWERS OF ATTORNEY
Table of Contents
Part II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item 3.
Incorporation of Documents by Reference.
The following documents filed by First National Bankshares of Florida,
Inc. (the "Company") with the Commission are hereby incorporated by reference:
1.
The Company's Registration Statement on Form 10 filed
December 22, 2003 ("Form 10"); and
2.
The description of the Company's Common Stock contained in
the Form 10, including any amendment or report filed for the purpose
of updating such description.
All documents filed by the Company, the First National Bankshares of
Florida, Inc. Salary Savings Plan and the Roger Bouchard Insurance, Inc. 401(k)
Plan pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act after
the date of this Registration Statement, and prior to the filing of a
post-effective amendment which indicates that all securities offered hereby
have been sold or which de-registers all securities then remaining unsold,
shall be deemed to be incorporated by reference in this Registration Statement
and to be a part hereof from the date of filing of such documents. Any
statement contained in a document incorporated by reference herein shall be
deemed to be modified or superseded for purposes of this Registration Statement
to the extent that a statement contained herein or in any other subsequently
filed document which also is or is deemed to be incorporated by reference
herein modifies or supersedes such statement. Any statement so modified or
superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.
Item 4.
Description of Securities.
No response is required to this item.
Item 5.
Interests of Named Experts and Counsel.
No response is required to this item.
Item 6.
Indemnification of Officers and Directors.
The Florida Business Corporation Act, as amended (the "Florida Act"),
provides that, in general, a business corporation may indemnify any person
who is or was a party to any proceeding (other than an action by, or in the
right of, the corporation) by reason of the fact that he or she is or was a
director or officer of the corporation, against liability incurred in
connection with such proceeding, including any appeal thereof, provided
certain standards are met, including that such officer or director acted in
good faith and in a manner he or she reasonably believed to be in, or not
opposed to, the best interests of the corporation, and provided further
that, with respect to any criminal action or proceeding, the officer or
director had no reasonable cause to believe his or her conduct was
unlawful.
In the case of proceedings by or in the right of the corporation, the
Florida Act provides that, in general, a corporation may indemnify any
person who was or is a party to any such proceeding by reason of the fact
that he or she is or was a director or officer of the corporation against
Table of Contents
expenses and amounts paid in settlement actually and reasonably incurred in
connection with the defense or settlement of such proceeding, including any
appeal thereof, provided that such person acted in good faith and in a
manner he or she reasonably believed to be in, or not opposed to, the best
interests of the corporation, except that no indemnification shall be made
in respect of any claim as to which such person is adjudged liable unless a
court of competent jurisdiction determines upon application that such
person is fairly and reasonably entitled to indemnity. To the extent that
any officers or directors are successful on the merits or otherwise in the
defense of any of the proceedings described above, the Florida Act provides
that the corporation is required to indemnify such officers or directors
against expenses actually and reasonably incurred in connection therewith.
However, the Florida Act further provides that, in general, indemnification
or advancement of expenses shall not be made to or on behalf of any officer
or director if a judgment or other final adjudication establishes that his
or her actions, or omissions to act, were material to the cause of action
so adjudicated and constitute: (i) a violation of the criminal law, unless
the director or officer had reasonable cause to believe his or her conduct
was lawful or had no reasonable cause to believe it was unlawful; (ii) a
transaction from which the director or officer derived an improper personal
benefit; (iii) in the case of a director, a circumstance under which the
director has voted for or assented to a distribution made in violation of
the Florida Act or the corporation's articles of incorporation; or (iv)
willful misconduct or a conscious disregard for the best interests of the
corporation in a proceeding by or in the right of the corporation to
procure a judgment in its favor or in a proceeding by or in the right of a
shareholder.
The Company's Articles of Incorporation provide that the Company shall
indemnify its directors and officers to the fullest extent permitted by law
in connection with any actual or threatened action, suit or proceedings,
civil, criminal, administrative, investigative or other (whether brought by
or in the right of the Company or otherwise) arising out of their service
to the Company or to another organization at the Company's request, or
because of their positions with the Company. The Articles further provide
that the Company may purchase and maintain insurance to protect itself and
any such director or officer against any liability, cost or expense
asserted against or incurred by him in respect of such service, whether or
not the Company would have the power to indemnify him against such
liability by law or under the provisions of this paragraph.
The Company's Bylaws provide that to the fullest extent permitted by
law, no director of the Company shall be personally liable for monetary
damages for any action taken, or any failure to take any action.
Item 7.
Exemption From Registration Claimed.
No response to this item is required.
Table of Contents
Item 8.
Exhibits.
The following exhibits are filed with or incorporated by reference in this
Registration Statement:
Exhibit
Number
Description of Exhibit
4.1
Articles of Incorporation of the Company (incorporated
by reference to Exhibit 3.1 of the Company's Registration
Statement on Form 10 filed October 31, 2003)
4.2
Bylaws of the Company (incorporated by reference to
Exhibit 3.2 of the Company's Registration Statement on Form 10
filed October 31, 2003)
5.1
Opinion of Smith, Gambrell & Russell, LLP.
5.2
Internal Revenue Service determination letter regarding
the First National Bankshares of Florida, Inc. Salary Savings
Plan.
5.3
Internal Revenue Service determination letter regarding
the Roger Bouchard Insurance, Inc. 401(k) Plan.
23.1
Consent of Smith, Gambrell & Russell, LLP (contained in Exhibit 5.1)
23.2
Consent of Ernst & Young LLP.
24.1
Powers of Attorney.
Item 9.
Undertakings.
The Company hereby undertakes:
(a)      (1) To file, during any period in which offers or sales are being made, a
post-effective amendment to this registration statement:
(i) To include any prospectus required by Section 10(a)(3) of the
Securities Act;
(ii) To reflect in the prospectus any facts or events arising after the
effective date of this registration statement (or the most recent
post-effective amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set forth in
this registration statement; and
(iii) To include any material information with respect to the plan of
distribution not previously disclosed in this registration statement or
any material change to such information in this registration statement;
provided, however, that clauses (i) and (ii) do not apply if the
information required to be included in a post-effective amendment by
those clauses is contained in periodic reports filed with or
Table of Contents
furnished to the Commission by the Company pursuant to Section 13 or
15(d) of the Exchange Act that are incorporated by reference in this
registration statement.
(2) That, for the purpose of determining any liability under the
Securities Act, each such post-effective amendment shall be deemed to be a new
registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial bona
fide offering thereof.
(3) To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the termination
of the offering.
(b) That, for purposes of determining any liability under the Securities Act,
each filing of the Company's annual report pursuant to Section 13(a) or 15(d)
of the Exchange Act (and each filing of the Plan's annual report pursuant to
Section 15(d) of the Exchange Act) that is incorporated by reference in this
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
(h) Insofar as indemnification for liabilities arising under the Securities
Act may be permitted to directors, officers and controlling persons of the
Company pursuant to the foregoing provisions, or otherwise, the Company has
been advised that in the opinion of the Commission such indemnification is
against public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such
liabilities (other than the payment by the Company of expenses incurred or paid
by a director, officer or controlling person of the Company in the successful
defense of any action, suit or proceeding) is asserted by such director,
officer or controlling person in connection with the securities being
registered, the Company will, unless in the opinion of its counsel the matter
has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question whether such indemnification by it is against public
policy as expressed in the Securities Act and will be governed by the final
adjudication of such issue.
Table of Contents
SIGNATURES
The Company.
Pursuant to the requirements of the Securities Act of 1933,
the Company certifies that it has reasonable grounds to believe that it meets
all of the requirements for filing on Form S-8 and has duly caused this
registration statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Naples, State of Florida, on this 9th day of
January, 2004.
FIRST NATIONAL BANKSHARES OF FLORIDA, INC.
By:
/s/ Gary L. Tice
Gary L. Tice, Chairman and Chief Executive Officer
By:
/s/ Robert T. Reichert
Robert T. Reichert, Chief Financial Officer
Pursuant to the requirements of the Securities Act of 1933, this
registration statement has been signed below by the following persons in the
following capacities on the dates indicated.
Signature
Title
Date
/s/ Gary L. Tice
Gary L. Tice
Chairman and
Chief Executive Officer
January 9, 2004
*
Alan C. Bomstein
Director
January 9, 2004
*
Charles T. Cricks
Director
January 9, 2004
*
James S. Lindsay
Director
January 9, 2004
*
Edward J. Mace
Director
January 9, 2004
*
G. Scott Baton, II
Director
January 9, 2004
*
David A. Straz, Jr.
Director
January 9, 2004
*By:
/s/ Robert T. Reichert
Robert T. Reichert, as Attorney-in-Fact
Table of Contents
First National Bankshares of Florida, Inc. Salary Savings Plan.
Pursuant
to the requirements of the Securities Act of 1933, the trustees (or other
persons who administer the employee benefit plan) have duly caused this
registration statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Naples, State of Florida, on this 9th day of
January, 2004.
First National Bankshares of Florida,
Inc. Salary Savings Plan
By:
/s/ Gary L. Tice
Gary L. Tice
Chairman and Chief Executive Officer
First National Bankshares of Florida, Inc.
(Administrator of the Plan)
Roger Bouchard Insurance, Inc.
401(k)
Plan.
Pursuant to the requirements
of the Securities Act of 1933, the trustees (or other persons who administer
the employee benefit plan) have duly caused this registration statement to be
signed on its behalf by the undersigned, thereunto duly authorized, in the City
of Naples, State of Florida, on this 12th day of January, 2004.
Roger Bouchard Insurance, Inc. 401(k) Plan
By:
/s/ Tim A. Bouchard
Tim A. Bouchard
Chief Operating Officer
Roger Bouchard Insurance, Inc.
(Administrator of the Plan)
Table of Contents
Exhibit Index
Exhibit
Number
Description of Exhibit
4.1
Articles of Incorporation of the Company (incorporated
by reference to Exhibit 3.1 of the Company's Registration
Statement on Form 10 filed October 31, 2003)
4.2
Bylaws of the Company (incorporated by reference to
Exhibit 3.2 of the Company's Registration Statement on Form 10
filed October 31, 2003)
5.1
Opinion of Smith, Gambrell & Russell, LLP.
5.2
Internal Revenue Service determination letter regarding
the First National Bankshares of Florida, Inc. Salary Savings
Plan.
5.3
Internal Revenue Service determination letter regarding
the Roger Bouchard Insurance, Inc. 401(k) Plan.
23.1
Consent of Smith, Gambrell & Russell, LLP (contained in Exhibit 5.1)
23.2
Consent of Ernst & Young LLP.
24.1
Powers of Attorney.