<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, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           8,221
<INT-BEARING-DEPOSITS>                         310,168
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    147,361
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        252,340
<ALLOWANCE>                                     (2,532)
<TOTAL-ASSETS>                                 419,565
<DEPOSITS>                                     345,351
<SHORT-TERM>                                    11,364
<LIABILITIES-OTHER>                              3,587
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,422
<OTHER-SE>                                      40,841
<TOTAL-LIABILITIES-AND-EQUITY>                 419,565
<INTEREST-LOAN>                                 17,455
<INTEREST-INVEST>                                5,149
<INTEREST-OTHER>                                   161
<INTEREST-TOTAL>                                22,765
<INTEREST-DEPOSIT>                              10,805
<INTEREST-EXPENSE>                              11,969
<INTEREST-INCOME-NET>                           10,796
<LOAN-LOSSES>                                      925
<SECURITIES-GAINS>                                 158
<EXPENSE-OTHER>                                  7,217
<INCOME-PRETAX>                                  4,138
<INCOME-PRE-EXTRAORDINARY>                       4,138
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,758
<EPS-PRIMARY>                                     0.91
<EPS-DILUTED>                                     0.86
<YIELD-ACTUAL>                                    8.57
<LOANS-NON>                                      1,422
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,331
<CHARGE-OFFS>                                      790
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                                2,532
<ALLOWANCE-DOMESTIC>                             2,049
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            483
        

</TABLE>