<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, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                          12,092
<INT-BEARING-DEPOSITS>                         280,465
<FED-FUNDS-SOLD>                                 4,035
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     94,721
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        247,470
<ALLOWANCE>                                     (2,550)
<TOTAL-ASSETS>                                 367,789
<DEPOSITS>                                     315,194
<SHORT-TERM>                                    10,447
<LIABILITIES-OTHER>                              4,014
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,499
<OTHER-SE>                                      20,635
<TOTAL-LIABILITIES-AND-EQUITY>                 367,789
<INTEREST-LOAN>                                  5,547
<INTEREST-INVEST>                                1,231
<INTEREST-OTHER>                                    50
<INTEREST-TOTAL>                                 3,562
<INTEREST-DEPOSIT>                               3,204    
<INTEREST-EXPENSE>                               2,257
<INTEREST-INCOME-NET>                            3,266
<LOAN-LOSSES>                                      265
<SECURITIES-GAINS>                                  10
<EXPENSE-OTHER>                                  2,257
<INCOME-PRETAX>                                  1,179
<INCOME-PRE-EXTRAORDINARY>                       1,179
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       775
<EPS-PRIMARY>                                     0.31
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    8.57
<LOANS-NON>                                      1,479
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,331
<CHARGE-OFFS>                                       73
<RECOVERIES>                                        27
<ALLOWANCE-CLOSE>                                2,550
<ALLOWANCE-DOMESTIC>                             2,059
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            491
        

</TABLE>