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                                                                    EXHIBIT 99.1

                        CITIZENS COMMUNITY BANCORP, INC.

           THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
   FOR USE AT THE SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON MARCH 16, 2001

         The undersigned shareholder(s) hereby appoints ___________________ and
__________________, and each of them, attorneys and proxies with full power to
each of substitution, to vote in the name of and as proxy for the undersigned at
the Special Meeting of Shareholders of Citizens Community Bancorp, Inc. ("CCBI")
to be held on March 16, 2001 at 9:30 a.m., local time, at ____________________,
and at any adjournment or postponement thereof, upon the matters set forth in
the Notice of Special Meeting of Shareholders and Proxy Statement, receipt of
which is hereby acknowledged.

(1)      Proposal to approve and adopt the Agreement and Plan of Merger, dated
         as of December 18, 2000 (the "Merger Agreement"), among F.N.B.
         Corporation ("FNB"), CCBI and Citizens Community Bank of Florida, a
         wholly owned subsidiary of CCBI, whereby CCBI will merge with and into
         FNB.

                  [ ]   FOR         [ ]   AGAINST         [ ]   ABSTAIN

(2)      Each of the persons named as proxies herein is authorized, in such
         person's discretion, to vote upon such other matters as may properly
         come before the Special Meeting or any adjournments or postponements
         thereof.

  PROPERLY EXECUTED PROXIES WILL BE VOTED IN THE MANNER DIRECTED HEREIN BY THE
    UNDERSIGNED. IF NO CONTRARY DIRECTIONS ARE GIVEN, THE PROXY WILL BE VOTED
   "FOR"APPROVAL OF THE MERGER AGREEMENT, AND IN ACCORDANCE WITH THE JUDGMENT
        OF THE PERSONS NAMED AS PROXIES HEREIN ON ANY OTHER MATTER THAT
                 MAY PROPERLY COME BEFORE THE SPECIAL MEETING.


                                    -------------------------------------------
                                                     Signature


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                                                     Signature



                                    Date:                                , 2001
                                         --------------------------------

                                    Please date and sign this Proxy exactly as
                                    your name appears on the mailing label.
                                    (When signing as attorney, executor,
                                    administrator, trustee, guardian, or other
                                    fiduciary, please give title as such. If
                                    shareholder is a corporation, corporate name
                                    should be signed by an authorized officer.
                                    For joint accounts, each joint owner should
                                    sign.)

 PLEASE SIGN, DATE AND MAIL THIS PROXY PROMPTLY IN THE ENCLOSED REPLY ENVELOPE,
            WHICH REQUIRES NO POSTAGE IF MAILED IN THE UNITED STATES