<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                         000803644
<NAME>                        FCNB CORP
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<EXCHANGE-RATE>                                          1
<CASH>                                              39,232
<INT-BEARING-DEPOSITS>                              28,737
<FED-FUNDS-SOLD>                                     8,317
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        404,818
<INVESTMENTS-CARRYING>                              21,263
<INVESTMENTS-MARKET>                                21,164
<LOANS>                                            903,072
<ALLOWANCE>                                         10,043
<TOTAL-ASSETS>                                   1,505,796
<DEPOSITS>                                       1,028,859
<SHORT-TERM>                                       329,263
<LIABILITIES-OTHER>                                 17,659
<LONG-TERM>                                         40,250
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            11,924
<OTHER-SE>                                          77,841
<TOTAL-LIABILITIES-AND-EQUITY>                   1,505,796
<INTEREST-LOAN>                                     75,006
<INTEREST-INVEST>                                   27,319
<INTEREST-OTHER>                                     1,398
<INTEREST-TOTAL>                                   103,723
<INTEREST-DEPOSIT>                                  34,518
<INTEREST-EXPENSE>                                  53,870
<INTEREST-INCOME-NET>                               49,853
<LOAN-LOSSES>                                        5,008
<SECURITIES-GAINS>                                     926
<EXPENSE-OTHER>                                     48,598
<INCOME-PRETAX>                                     15,331
<INCOME-PRE-EXTRAORDINARY>                          15,331
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        10,429
<EPS-BASIC>                                           0.89
<EPS-DILUTED>                                         0.87
<YIELD-ACTUAL>                                        7.86
<LOANS-NON>                                         10,605
<LOANS-PAST>                                           674
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                     32,410
<ALLOWANCE-OPEN>                                     8,237
<CHARGE-OFFS>                                        3,840
<RECOVERIES>                                           638
<ALLOWANCE-CLOSE>                                   10,043
<ALLOWANCE-DOMESTIC>                                10,043
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                463



</TABLE>