<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, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          13,274
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    128,558
<INVESTMENTS-CARRYING>                           3,548
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        400,966
<ALLOWANCE>                                     (4,322)
<TOTAL-ASSETS>                                 560,043
<DEPOSITS>                                     465,990
<SHORT-TERM>                                    12,361
<LIABILITIES-OTHER>                              3,550
<LONG-TERM>                                      2,750
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,466
<OTHER-SE>                                      46,376
<TOTAL-LIABILITIES-AND-EQUITY>                 460,043
<INTEREST-LOAN>                                 25,111
<INTEREST-INVEST>                                6,030
<INTEREST-OTHER>                                   181
<INTEREST-TOTAL>                                31,322
<INTEREST-DEPOSIT>                              14,933
<INTEREST-EXPENSE>                              16,312
<INTEREST-INCOME-NET>                           15,010
<LOAN-LOSSES>                                    1,117
<SECURITIES-GAINS>                                  98
<EXPENSE-OTHER>                                 11,520
<INCOME-PRETAX>                                  4,435
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,680
<EPS-BASIC>                                       0.60
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                    7.97
<LOANS-NON>                                      2,117
<LOANS-PAST>                                     2,171
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,453
<CHARGE-OFFS>                                      307
<RECOVERIES>                                        59
<ALLOWANCE-CLOSE>                                4,322
<ALLOWANCE-DOMESTIC>                             4,322
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>