File Names in a Variable in a loop

Hi All ,
I am having confusion in a shell script. Please guide me.
I need to get multiple files (number of files vary time to time, file names are separated by '|') using FTP get from the remote server.

Actually, i call the FTP function in a loop. At the last step, i need to move all the get files to the target directory.

<Sample Code>

FILE_COUNT=`echo "${SOURCE_FILE}" | tr '|' '\n' | wc -l
COUNTER=1
while [ ${COUNTER} -le ${FILE_COUNT} ]
do
FILE=`echo ${SOURCE_FILE} | cut -d '|' -f${COUNTER}`
<FTP Function>
if [[ ${COUNTER} = ${FILE_COUNT} ]]
then
mv <All the Source File Names> <Target Directory>
fi
done

<Problem>
How can I hold all the file names in a variable like below in the loop.
FileNames=FileName1 FileName2 FileName3 ... FileNameN
mv $FileNames $TargetDirectory

Please help me how can i achieve.

Thanks,
Kanda.

is this what you want...

Thanks for your help.
But I just want to store the file names in a variable in the loop..which is separated by ' ' <single space>.

file=$file' '