<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, 2000, 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-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          21,615
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    131,059
<INVESTMENTS-CARRYING>                           3,622
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        443,503
<ALLOWANCE>                                     (4,932)
<TOTAL-ASSETS>                                 614,200
<DEPOSITS>                                     494,016
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                  0
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,484
<OTHER-SE>                                      46,825
<TOTAL-LIABILITIES-AND-EQUITY>                 614,200
<INTEREST-LOAN>                                  9,646
<INTEREST-INVEST>                                2,053
<INTEREST-OTHER>                                    47
<INTEREST-TOTAL>                                11,746
<INTEREST-DEPOSIT>                               5,555
<INTEREST-EXPENSE>                               6,336
<INTEREST-INCOME-NET>                            5,410
<LOAN-LOSSES>                                      536
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,461
<INCOME-PRETAX>                                  2,219
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,502
<EPS-BASIC>                                       0.34
<EPS-DILUTED>                                     0.33
<YIELD-ACTUAL>                                    0.00
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,436
<CHARGE-OFFS>                                      (83)
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                4,932
<ALLOWANCE-DOMESTIC>                             4,932
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>