<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FNB FINANCIAL SERVICES CORPORATION FOR THE NINE MONTHS
ENDED SEPTEMBER 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          10,144
<INT-BEARING-DEPOSITS>                         206,081
<FED-FUNDS-SOLD>                                 2,515
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,667
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        212,276
<ALLOWANCE>                                     (2,078)
<TOTAL-ASSETS>                                 282,058
<DEPOSITS>                                     233,490
<SHORT-TERM>                                    19,387
<LIABILITIES-OTHER>                              2,309
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,481
<OTHER-SE>                                      19,391
<TOTAL-LIABILITIES-AND-EQUITY>                 282,058
<INTEREST-LOAN>                                 12,291
<INTEREST-INVEST>                                2,238
<INTEREST-OTHER>                                   118
<INTEREST-TOTAL>                                14,647
<INTEREST-DEPOSIT>                               6,433
<INTEREST-EXPENSE>                               6,847
<INTEREST-INCOME-NET>                            7,800
<LOAN-LOSSES>                                      460
<SECURITIES-GAINS>                                  36
<EXPENSE-OTHER>                                  6,593
<INCOME-PRETAX>                                  2,704
<INCOME-PRE-EXTRAORDINARY>                       2,704
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,807
<EPS-PRIMARY>                                     0.73
<EPS-DILUTED>                                     0.73
<YIELD-ACTUAL>                                    8.70
<LOANS-NON>                                      1,269
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,638
<CHARGE-OFFS>                                       92
<RECOVERIES>                                        72
<ALLOWANCE-CLOSE>                                2,078
<ALLOWANCE-DOMESTIC>                             2,031
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             47
        

</TABLE>