<TABLE> <S> <C>


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

<S>                             <C>                 <C>                 <C>                 <C>                 <C>
<PERIOD-TYPE>                   YEAR                3-MOS               6-MOS               9-MOS               YEAR
<FISCAL-YEAR-END>                   DEC-31-1997         DEC-31-1998         DEC-31-1998         DEC-31-1998        DEC-31-1998
<PERIOD-START>                      JAN-01-1997         JAN-01-1998         JAN-01-1998         JAN-01-1998        JAN-01-1998
<PERIOD-END>                        DEC-31-1997         MAR-31-1998         JUN-30-1998         SEP-30-1998        DEC-31-1998
<EXCHANGE-RATE>                               1                   1                   1                   1                  1
<CASH>                                   35,023              41,186              34,769              40,067             35,518
<INT-BEARING-DEPOSITS>                      848               5,316               1,447               1,898              9,358
<FED-FUNDS-SOLD>                         41,031              31,996              50,587              49,701             47,262
<TRADING-ASSETS>                              0                   0                   0                   0                  0
<INVESTMENTS-HELD-FOR-SALE>             246,280             250,639             326,079             368,494            414,386
<INVESTMENTS-CARRYING>                   48,889              44,810              38,294              30,986             23,298
<INVESTMENTS-MARKET>                     49,230              45,233              38,646              31,500             30,469
<LOANS>                                 749,273             753,599             774,199             790,880            818,061
<ALLOWANCE>                               7,611               7,608               7,638               7,864              8,237
<TOTAL-ASSETS>                        1,179,435           1,189,973           1,295,184           1,361,259          1,459,720
<DEPOSITS>                              830,326             855,973             910,570             942,211            962,799
<SHORT-TERM>                            241,802             227,398             273,840             263,182            342,836
<LIABILITIES-OTHER>                      11,071               9,042               9,683              11,780             14,980
<LONG-TERM>                                   0                   0                   0              40,250             40,250
<PREFERRED-MANDATORY>                         0                   0                   0                   0                  0
<PREFERRED>                                   0                   0                   0                   0                  0
<COMMON>                                 11,525              11,544              11,575              11,595             11,599
<OTHER-SE>                               84,711              86,016              89,516              92,241             87,256
<TOTAL-LIABILITIES-AND-EQUITY>        1,179,435           1,189,973           1,295,184           1,361,259          1,459,720
<INTEREST-LOAN>                          64,757              17,020              34,594              52,760             70,981
<INTEREST-INVEST>                        16,807               4,632               9,610              15,116             21,857
<INTEREST-OTHER>                          1,296                 449                 861               1,495              1,802
<INTEREST-TOTAL>                         82,860              22,101              45,065              69,371             94,640
<INTEREST-DEPOSIT>                       29,425               7,789              15,805              24,511             33,175
<INTEREST-EXPENSE>                       39,438              10,958              22,259              34,676             47,853
<INTEREST-INCOME-NET>                    43,422              11,143              22,806              34,695             46,787
<LOAN-LOSSES>                             1,809                 195                 623               1,073              2,097
<SECURITIES-GAINS>                          669                 526                 712                 992              1,520
<EXPENSE-OTHER>                          37,717              10,076              20,319              31,470             44,986
<INCOME-PRETAX>                          16,875               4,534               9,315              14,016             16,796
<INCOME-PRE-EXTRAORDINARY>               16,875               4,534               9,315              14,016             16,796
<EXTRAORDINARY>                               0                   0                   0                   0                  0
<CHANGES>                                     0                   0                   0                   0                  0
<NET-INCOME>                             11,168               3,020               6,195               9,311              9,426
<EPS-BASIC>                                0.97                0.26                0.53                0.80               0.82
<EPS-DILUTED>                              0.95                0.26                0.52                0.78               0.79
<YIELD-ACTUAL>                             8.44                8.11                8.19                8.29               8.22
<LOANS-NON>                               4,698               4,656               6,444               6,524              7,828
<LOANS-PAST>                              2,316               2,981               3,777               5,486              1,585
<LOANS-TROUBLED>                            128                   0                   0                   0                  0
<LOANS-PROBLEM>                          16,880              15,560              16,800              15,440             17,330
<ALLOWANCE-OPEN>                          6,816               7,611               7,611               7,611              7,611
<CHARGE-OFFS>                             1,628                 266                 796               1,092              1,910
<RECOVERIES>                                615                  68                 200                 272                439
<ALLOWANCE-CLOSE>                         7,611               7,608               7,638               7,864              8,237
<ALLOWANCE-DOMESTIC>                      7,611               7,608               7,638               7,864              8,237
<ALLOWANCE-FOREIGN>                           0                   0                   0                   0                  0
<ALLOWANCE-UNALLOCATED>                   1,214                 485                 636                 704                850



</TABLE>