<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, 1996 AND IS QUALIFIED IN ITS ENTIRETY BE REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           6,061
<INT-BEARING-DEPOSITS>                         151,011
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,730
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        134,272
<ALLOWANCE>                                     (1,543)
<TOTAL-ASSETS>                                 196,249
<DEPOSITS>                                     174,733
<SHORT-TERM>                                     1,299
<LIABILITIES-OTHER>                                626
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,380
<OTHER-SE>                                      18,451
<TOTAL-LIABILITIES-AND-EQUITY>                 196,249
<INTEREST-LOAN>                                  8,854
<INTEREST-INVEST>                                2,466
<INTEREST-OTHER>                                    41
<INTEREST-TOTAL>                                11,361
<INTEREST-DEPOSIT>                               4,737
<INTEREST-EXPENSE>                               4,988
<INTEREST-INCOME-NET>                            6,373
<LOAN-LOSSES>                                      302
<SECURITIES-GAINS>                                 112
<EXPENSE-OTHER>                                  4,237
<INCOME-PRETAX>                                  2,602
<INCOME-PRE-EXTRAORDINARY>                       2,602
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,804
<EPS-PRIMARY>                                     1.31
<EPS-DILUTED>                                     1.31
<YIELD-ACTUAL>                                    8.52
<LOANS-NON>                                         47
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,258
<CHARGE-OFFS>                                       55
<RECOVERIES>                                        38
<ALLOWANCE-CLOSE>                                1,543
<ALLOWANCE-DOMESTIC>                             1,356
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            187
        

</TABLE>