<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, 2000 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-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          27,305
<INT-BEARING-DEPOSITS>                           2,116
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    134,324
<INVESTMENTS-CARRYING>                           3,610
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        481,527
<ALLOWANCE>                                     (5,270)
<TOTAL-ASSETS>                                 665,772
<DEPOSITS>                                     553,693
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,742
<LONG-TERM>                                     42,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,485
<OTHER-SE>                                      50,013
<TOTAL-LIABILITIES-AND-EQUITY>                 665,772
<INTEREST-LOAN>                                 31,487
<INTEREST-INVEST>                                6,171
<INTEREST-OTHER>                                   179
<INTEREST-TOTAL>                                37,837
<INTEREST-DEPOSIT>                              18,679
<INTEREST-EXPENSE>                              21,103
<INTEREST-INCOME-NET>                           16,734
<LOAN-LOSSES>                                    1,246
<SECURITIES-GAINS>                                  62
<EXPENSE-OTHER>                                 11,092
<INCOME-PRETAX>                                  6,694
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,472
<EPS-BASIC>                                       1.00
<EPS-DILUTED>                                     0.99
<YIELD-ACTUAL>                                    8.53
<LOANS-NON>                                      3,657
<LOANS-PAST>                                        53
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,436
<CHARGE-OFFS>                                      537
<RECOVERIES>                                       125
<ALLOWANCE-CLOSE>                                5,270
<ALLOWANCE-DOMESTIC>                             5,270
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             75


</TABLE>