<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FNB FINANCIAL SERVICES CORPORATION FOR THE THREE MONTHS
ENDED MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           8,842
<INT-BEARING-DEPOSITS>                           1,923
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    124,215
<INVESTMENTS-CARRYING>                           2,234
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        265,120
<ALLOWANCE>                                     (2,740)
<TOTAL-ASSETS>                                 413,320
<DEPOSITS>                                     338,220
<SHORT-TERM>                                    10,103
<LIABILITIES-OTHER>                              2,708
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,325
<OTHER-SE>                                      38,964
<TOTAL-LIABILITIES-AND-EQUITY>                 413,320
<INTEREST-LOAN>                                  5,696
<INTEREST-INVEST>                                1,888
<INTEREST-OTHER>                                    48
<INTEREST-TOTAL>                                 7,632
<INTEREST-DEPOSIT>                               3,470
<INTEREST-EXPENSE>                               3,827
<INTEREST-INCOME-NET>                            3,805
<LOAN-LOSSES>                                     (228)
<SECURITIES-GAINS>                                  95
<EXPENSE-OTHER>                                  2,835
<INCOME-PRETAX>                                  1,308
<INCOME-PRE-EXTRAORDINARY>                       1,308
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       860
<EPS-PRIMARY>                                     0.25
<EPS-DILUTED>                                     0.25
<YIELD-ACTUAL>                                    7.78
<LOANS-NON>                                        727
<LOANS-PAST>                                       727
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,331
<CHARGE-OFFS>                                     (948)
<RECOVERIES>                                        93
<ALLOWANCE-CLOSE>                                2,606
<ALLOWANCE-DOMESTIC>                             2,524
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             82
        

</TABLE>