<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 JUNE 30, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           9,542
<INT-BEARING-DEPOSITS>                         295,096
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    134,016
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        251,668
<ALLOWANCE>                                     (2,764)
<TOTAL-ASSETS>                                 406,025
<DEPOSITS>                                     329,249
<SHORT-TERM>                                    12,424
<LIABILITIES-OTHER>                              1,707
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,403
<OTHER-SE>                                      39,242
<TOTAL-LIABILITIES-AND-EQUITY>                 406,025
<INTEREST-LOAN>                                 11,526
<INTEREST-INVEST>                                3,060
<INTEREST-OTHER>                                    96
<INTEREST-TOTAL>                                14,682
<INTEREST-DEPOSIT>                               6,852
<INTEREST-EXPENSE>                               7,632
<INTEREST-INCOME-NET>                            7,050
<LOAN-LOSSES>                                      780
<SECURITIES-GAINS>                                  18
<EXPENSE-OTHER>                                  4,723
<INCOME-PRETAX>                                  2,630
<INCOME-PRE-EXTRAORDINARY>                       2,630
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,728
<EPS-PRIMARY>                                     0.61
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    8.50
<LOANS-NON>                                      1,400
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,331
<CHARGE-OFFS>                                      188
<RECOVERIES>                                        41
<ALLOWANCE-CLOSE>                                2,764
<ALLOWANCE-DOMESTIC>                             2,061
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            703
        

</TABLE>