<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, 1997 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           8,857
<INT-BEARING-DEPOSITS>                         193,733
<FED-FUNDS-SOLD>                                 5,370
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,863
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        186,868
<ALLOWANCE>                                     (1,868)
<TOTAL-ASSETS>                                 251,318
<DEPOSITS>                                     219,835
<SHORT-TERM>                                     8,358
<LIABILITIES-OTHER>                              1,984
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,849
<OTHER-SE>                                      19,292
<TOTAL-LIABILITIES-AND-EQUITY>                 251,318
<INTEREST-LOAN>                                  7,514
<INTEREST-INVEST>                                1,547
<INTEREST-OTHER>                                    77
<INTEREST-TOTAL>                                 9,138
<INTEREST-DEPOSIT>                               4,058
<INTEREST-EXPENSE>                               4,287
<INTEREST-INCOME-NET>                            4,851
<LOAN-LOSSES>                                      230
<SECURITIES-GAINS>                                  32
<EXPENSE-OTHER>                                  3,561
<INCOME-PRETAX>                                  1,661
<INCOME-PRE-EXTRAORDINARY>                       1,661
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,123
<EPS-PRIMARY>                                     0.61
<EPS-DILUTED>                                     0.61
<YIELD-ACTUAL>                                    8.49
<LOANS-NON>                                      1,236
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,638
<CHARGE-OFFS>                                       31
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                1,868
<ALLOWANCE-DOMESTIC>                             1,827
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            301
        

</TABLE>