<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, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           9,688
<INT-BEARING-DEPOSITS>                           1,101
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    123,288
<INVESTMENTS-CARRYING>                           2,234
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        276,082
<ALLOWANCE>                                     (2,882)
<TOTAL-ASSETS>                                 424,844
<DEPOSITS>                                     341,067
<SHORT-TERM>                                    21,406
<LIABILITIES-OTHER>                              1,234
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,344
<OTHER-SE>                                      37,793
<TOTAL-LIABILITIES-AND-EQUITY>                 424,844
<INTEREST-LOAN>                                 11,632
<INTEREST-INVEST>                                1,888
<INTEREST-OTHER>                                    48
<INTEREST-TOTAL>                                 3,756
<INTEREST-DEPOSIT>                               6,891
<INTEREST-EXPENSE>                               7,675
<INTEREST-INCOME-NET>                            7,761
<LOAN-LOSSES>                                     (408)
<SECURITIES-GAINS>                                 103
<EXPENSE-OTHER>                                  5,771
<INCOME-PRETAX>                                  2,679
<INCOME-PRE-EXTRAORDINARY>                       2,679
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,172
<EPS-BASIC>                                       0.53
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                    7.90
<LOANS-NON>                                        793
<LOANS-PAST>                                       561
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,606
<CHARGE-OFFS>                                     (162)
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                2,882
<ALLOWANCE-DOMESTIC>                             2,819
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             63


</TABLE>