SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) ofthe
Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 11, 2003

FNB Bancshares, Inc.
(Exact name of registrant as specified in its charter)

South Carolina	333-1546	57-1033165
(State or other	(Commission	(I.R.S. Employer
jurisdiction of	File Number)	Identification No.)
incorporation)

P.O.Box 1539, Gaffney, South Carolina 29342
(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code: (864) 488-2265

Not Applicable
(Former name or former address, if changed since last report.)

Item 9. Regulation FD Disclosure.

On July 11, 2003, FNB Bancshares, Inc., holding company for First National Bank of the Carolinas, issued a press release announcing its financial results for the second quarter ended June 30, 2003. A copy of the press release is attached hereto as Exhibit 99.1.

Item 12. Results of Operations and Financial Condition.

Pursuant to interim guidance issued by the Securities and Exchange Commission relating to Item 12 filing requirements, the Company has furnished the information required by Item 12 under Item 9 herein.

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 BANCSHARES, INC.

By:  /s/ V. Stephen Moss
Name:  V. Stephen Moss
Title:    Chief Executive Officer

Dated: July 15, 2003

EXHIBIT INDEX

Exhibit Number Description

99.1 Earnings Press Release for the quarter ended June 30, 2003

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

EXHIBIT INDEX

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

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