<TABLE> <S> <C>

<ARTICLE>                                      9
<CIK>                                    0000883756
<NAME>         CNB FINANCIAL CORP.       
<MULTIPLIER>                               1,000
       
<S>                              <C>                  <C>
<PERIOD-TYPE>                     3-MOS                3-MOS
<FISCAL-YEAR-END>               DEC-31-1998      DEC-31-1997
<PERIOD-END>                     MAR-31-1998     MAR-31-1997
<CASH>                                20,382          20,960
<INT-BEARING-DEPOSITS>                     0               0
<FED-FUNDS-SOLD>                       2,975               0
<TRADING-ASSETS>                           0               0
<INVESTMENTS-HELD-FOR-SALE>          168,021         128,286
<INVESTMENTS-CARRYING>               111,931         112,914
<INVESTMENTS-MARKET>                 117,492         114,875
<LOANS>                              357,254         309,812
<ALLOWANCE>                            8,387               0
<TOTAL-ASSETS>                       674,596         594,523
<DEPOSITS>                           587,562         508,719
<SHORT-TERM>                          16,684          22,672
<LIABILITIES-OTHER>                    7,969           7,047
<LONG-TERM>                            6,847           7,235
<PREFERRED-MANDATORY>                      0               0
<PREFERRED>                                0               0
<COMMON>                               9,719           9,677
<OTHER-SE>                            45,815          39,173
<TOTAL-LIABILITIES-AND-EQUITY>       674,596         594,523
<INTEREST-LOAN>                        7,871           7,407
<INTEREST-INVEST>                      4,644           4,123
<INTEREST-OTHER>                          30              91
<INTEREST-TOTAL>                      12,546          11,621
<INTEREST-DEPOSIT>                     5,746           4,966
<INTEREST-EXPENSE>                     6,092           5,273
<INTEREST-INCOME-NET>                  6,454           6,348
<LOAN-LOSSES>                            150             125
<SECURITIES-GAINS>                        94             261
<EXPENSE-OTHER>                        4,909           4,584
<INCOME-PRETAX>                        2,393           2,597
<INCOME-PRE-EXTRAORDINARY>             2,393           2,597
<EXTRAORDINARY>                            0               0
<CHANGES>                                  0               0
<NET-INCOME>                           1,770           1,818
<EPS-PRIMARY>                           0.46            0.47
<EPS-DILUTED>                           0.46            0.47
<YIELD-ACTUAL>                          4.29            4.76
<LOANS-NON>                            2,823           2,439
<LOANS-PAST>                           1,964           2,276
<LOANS-TROUBLED>                           0               0
<LOANS-PROBLEM>                            0               0
<ALLOWANCE-OPEN>                       8,378           8,367
<CHARGE-OFFS>                            263             377
<RECOVERIES>                             122              89
<ALLOWANCE-CLOSE>                      8,387           8,204
<ALLOWANCE-DOMESTIC>                   8,387           8,204
<ALLOWANCE-FOREIGN>                        0               0
<ALLOWANCE-UNALLOCATED>                    0               0
                                             


</TABLE>