<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>
<CIK>                         000803644
<NAME>                        FCNB CORP
<MULTIPLIER>                                             1,000
<CURRENCY>                                          US DOLLARS
       
<S>                                <C>             <C>            <C>
<PERIOD-TYPE>                         3-MOS           6-MOS          9-MOS
<FISCAL-YEAR-END>                  DEC-31-1998     DEC-31-1998    DEC-31-1998
<PERIOD-START>                     JAN-01-1998     JAN-01-1998    JAN-01-1998
<PERIOD-END>                       MAR-31-1998     JUN-30-1998    SEP-30-1998
<EXCHANGE-RATE>                              1               1              1
<CASH>                                  37,604          31,932         35,057
<INT-BEARING-DEPOSITS>                     811             840            559
<FED-FUNDS-SOLD>                        31,996          50,587         49,701
<TRADING-ASSETS>                             0               0              0
<INVESTMENTS-HELD-FOR-SALE>            233,563         309,342        351,136
<INVESTMENTS-CARRYING>                  44,810          38,294         30,986
<INVESTMENTS-MARKET>                    45,233          38,646         31,500
<LOANS>                                677,382         692,979        704,711
<ALLOWANCE>                              6,778           6,855          7,034
<TOTAL-ASSETS>                       1,083,281       1,188,818      1,245,759
<DEPOSITS>                             760,963         816,813        842,787
<SHORT-TERM>                           224,303         271,285        258,199
<LIABILITIES-OTHER>                      7,232           8,008          9,273
<LONG-TERM>                                  0               0         40,250
<PREFERRED-MANDATORY>                        0               0              0
<PREFERRED>                                  0               0              0
<COMMON>                                10,008          10,038         10,059
<OTHER-SE>                              80,775          82,674         85,191
<TOTAL-LIABILITIES-AND-EQUITY>       1,083,281       1,188,818      1,245,759
<INTEREST-LOAN>                         15,144          30,716         46,607
<INTEREST-INVEST>                        4,348           9,076         14,327
<INTEREST-OTHER>                           428             778          1,408
<INTEREST-TOTAL>                        19,920          40,580         62,342
<INTEREST-DEPOSIT>                       6,871          13,923         21,659
<INTEREST-EXPENSE>                      10,080          20,338         31,732
<INTEREST-INCOME-NET>                    9,912          20,242         30,610
<LOAN-LOSSES>                              170             570            955
<SECURITIES-GAINS>                         152             687            973
<EXPENSE-OTHER>                          9,726          18,848         28,893
<INCOME-PRETAX>                          4,053           8,324         12,413
<INCOME-PRE-EXTRAORDINARY>               4,053           8,324         12,413
<EXTRAORDINARY>                              0               0              0
<CHANGES>                                    0               0              0
<NET-INCOME>                             2,720           5,584          8,313
<EPS-PRIMARY>                             0.27            0.56           0.83
<EPS-DILUTED>                             0.27            0.56           0.83
<YIELD-ACTUAL>                            8.14            8.17           8.14
<LOANS-NON>                              5,590           5,755          6,271
<LOANS-PAST>                             1,103           2,930          4,785
<LOANS-TROUBLED>                             0               0              0
<LOANS-PROBLEM>                         15,560          16,820         15,440
<ALLOWANCE-OPEN>                         6,701           6,701          6,701
<CHARGE-OFFS>                              164             538            864
<RECOVERIES>                                71             122            242
<ALLOWANCE-CLOSE>                        6,778           6,855          7,034
<ALLOWANCE-DOMESTIC>                     6,778           6,855          7,034
<ALLOWANCE-FOREIGN>                          0               0              0
<ALLOWANCE-UNALLOCATED>                    485             636            704
        


</TABLE>