<TABLE> <S> <C>

<ARTICLE>                                                                      9
<LEGEND>
</LEGEND>
<CIK>                                       0000803644
<NAME>                                      FCNB CORP
<MULTIPLIER>                                                               1,000
<CURRENCY>                                                     US DOLLARS
       
<S>                                                <C>
<PERIOD-TYPE>                                      12-MOS
<FISCAL-YEAR-END>                                                    DEC-31-1996
<PERIOD-START>                                                       JAN-01-1996
<PERIOD-END>                                                         DEC-31-1996
<EXCHANGE-RATE>                                                                1
<CASH>                                                                    31,023
<INT-BEARING-DEPOSITS>                                                     1,065
<FED-FUNDS-SOLD>                                                          12,438
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              162,860
<INVESTMENTS-CARRYING>                                                    33,525
<INVESTMENTS-MARKET>                                                      33,740
<LOANS>                                                                  497,995
<ALLOWANCE>                                                                5,123
<TOTAL-ASSETS>                                                           779,169
<DEPOSITS>                                                               587,074
<SHORT-TERM>                                                             117,255
<LIABILITIES-OTHER>                                                        5,730
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   5,365
<OTHER-SE>                                                                63,745
<TOTAL-LIABILITIES-AND-EQUITY>                                           779,169
<INTEREST-LOAN>                                                           42,948
<INTEREST-INVEST>                                                         10,772
<INTEREST-OTHER>                                                             933
<INTEREST-TOTAL>                                                          54,653
<INTEREST-DEPOSIT>                                                        20,549
<INTEREST-EXPENSE>                                                        25,014
<INTEREST-INCOME-NET>                                                     29,639
<LOAN-LOSSES>                                                                318
<SECURITIES-GAINS>                                                           193
<EXPENSE-OTHER>                                                           24,470
<INCOME-PRETAX>                                                            9,112
<INCOME-PRE-EXTRAORDINARY>                                                 9,112
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               5,867
<EPS-PRIMARY>                                                               1.09
<EPS-DILUTED>                                                               1.09
<YIELD-ACTUAL>                                                              4.52
<LOANS-NON>                                                                4,631
<LOANS-PAST>                                                               2,531
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                           16,880
<ALLOWANCE-OPEN>                                                           5,242
<CHARGE-OFFS>                                                                999
<RECOVERIES>                                                                 100
<ALLOWANCE-CLOSE>                                                          5,123
<ALLOWANCE-DOMESTIC>                                                       5,123
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0
        

</TABLE>