<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, 1997 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          10,151
<INT-BEARING-DEPOSITS>                         183,101
<FED-FUNDS-SOLD>                                 3,350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     56,405
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        157,992
<ALLOWANCE>                                     (1,713)
<TOTAL-ASSETS>                                 235,969
<DEPOSITS>                                     206,386
<SHORT-TERM>                                     7,087
<LIABILITIES-OTHER>                              1,894
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,384
<OTHER-SE>                                      19,218
<TOTAL-LIABILITIES-AND-EQUITY>                 235,969
<INTEREST-LOAN>                                  3,394
<INTEREST-INVEST>                                  758
<INTEREST-OTHER>                                    47
<INTEREST-TOTAL>                                 4,199
<INTEREST-DEPOSIT>                               1,866
<INTEREST-EXPENSE>                               1,966
<INTEREST-INCOME-NET>                            2,153
<LOAN-LOSSES>                                       80
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,675
<INCOME-PRETAX>                                    732
<INCOME-PRE-EXTRAORDINARY>                         732
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       506
<EPS-PRIMARY>                                     0.37
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    8.49
<LOANS-NON>                                        555
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,638
<CHARGE-OFFS>                                       26
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                1,713
<ALLOWANCE-DOMESTIC>                             1,678
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            326
        

</TABLE>