SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 21, 2004 ------------------ FNB BANCORP (Exact name of registrant as specified in its charter) California (State or other jurisdiction of incorporation) 000-49693 92-2115369 (Commission File Number) (IRS Employer Identification No.) 975 El Camino Real, South San Francisco, California 94080 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (650) 588-6800 Item 5. Other Events and Regulation FD Disclosure. On January 21, 2004, the registrant announced year-end consolidated earnings for FNB Bancorp and its wholly owned subsidiary, First National Bank of Northern California A copy of the above January 21, 2004 news release is attached to this report as Exhibit 99.17 and is incorporated here by reference. Item 12: Results of Operations and Financial Condition 99.17 News release dated January 21, 2004 announcing the consolidated earnings of FNB Bancorp and its wholly owned subsidiary, First National Bank of Northern California. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. FNB BANCORP (Registrant) Dated: January 22, 2004 By: /s/ JAMES B. RAMSEY ------------------------------------- James B. Ramsey Senior Vice President and Chief Financial Officer 2