<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FNB FINANCIAL SERVICES CORPORATION FOR THE SIX MONTHS
ENDED JUNE 30, 2000, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          21,199
<INT-BEARING-DEPOSITS>                             545
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    131,049
<INVESTMENTS-CARRYING>                           3,622
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        457,889
<ALLOWANCE>                                     (5,218)
<TOTAL-ASSETS>                                 631,208
<DEPOSITS>                                     511,335
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,585
<LONG-TERM>                                     52,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,485
<OTHER-SE>                                      47,972
<TOTAL-LIABILITIES-AND-EQUITY>                 631,208
<INTEREST-LOAN>                                 20,170
<INTEREST-INVEST>                                4,025
<INTEREST-OTHER>                                   122
<INTEREST-TOTAL>                                14,317
<INTEREST-DEPOSIT>                              11,744
<INTEREST-EXPENSE>                              13,271
<INTEREST-INCOME-NET>                           11,046
<LOAN-LOSSES>                                      876
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  7,321
<INCOME-PRETAX>                                  4,416
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,988
<EPS-BASIC>                                       0.67
<EPS-DILUTED>                                     0.66
<YIELD-ACTUAL>                                    8.40
<LOANS-NON>                                      3,752
<LOANS-PAST>                                       173
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,436
<CHARGE-OFFS>                                      165
<RECOVERIES>                                        71
<ALLOWANCE-CLOSE>                                5,218
<ALLOWANCE-DOMESTIC>                             5,218
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            183


</TABLE>