($20.32 billion) andYadkin Financial Corp.($7.42 billion) are in merger negotiations, Reuters reported July 20, citing "peoplefamiliar with the matter."

Thetalks are said to be at an advanced stage, and the merger considerationall-stock. Both Pittsburgh-based F.N.B. and Raleigh, N.C.-based Yadkin postsecond-quarter earnings on July 21, and, if a deal is reached, may officiallyannounce it then.

F.N.B.'sacquisitiveness hasrecently resulted in its purchase of MetroBancorp Inc., First Niagara Risk Management's segment, and17 and branches. Yadkin,meanwhile, closed its acquisitionof NewBridge Bancorpin March and then was laterrumored to beexploring a sale.