<TABLE> <S> <C>


<ARTICLE>                                            9
<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-31-1999                      DEC-31-1999                        DEC-31-1999
<PERIOD-START>                             JAN-01-1999                      JAN-01-1999                        JAN-01-1999
<PERIOD-END>                               MAR-31-1999                      JUN-30-1999                        SEP-30-1999
<EXCHANGE-RATE>                                      1                                1                                  1
<CASH>                                          36,118                           33,963                             32,601
<INT-BEARING-DEPOSITS>                           4,416                            3,555                              4,045
<FED-FUNDS-SOLD>                                13,141                           28,739                             26,042
<TRADING-ASSETS>                                     0                                0                                  0
<INVESTMENTS-HELD-FOR-SALE>                    427,018                          416,325                            416,251
<INVESTMENTS-CARRYING>                          24,453                           23,764                             21,768
<INVESTMENTS-MARKET>                            24,837                           23,834                             21,734
<LOANS>                                        829,230                          853,174                            874,475
<ALLOWANCE>                                      8,508                            8,798                              9,648
<TOTAL-ASSETS>                               1,414,471                        1,443,620                          1,463,251
<DEPOSITS>                                     942,101                          968,366                          1,003,803
<SHORT-TERM>                                   314,362                          326,808                            313,228
<LIABILITIES-OTHER>                             19,058                           13,150                             14,551
<LONG-TERM>                                     40,250                           40,250                             40,250
<PREFERRED-MANDATORY>                                0                                0                                  0
<PREFERRED>                                          0                                0                                  0
<COMMON>                                        11,597                           11,603                             11,904
<OTHER-SE>                                      87,103                           83,443                             79,515
<TOTAL-LIABILITIES-AND-EQUITY>               1,414,471                        1,443,620                          1,463,251
<INTEREST-LOAN>                                 17,936                           36,431                             55,329
<INTEREST-INVEST>                                7,050                           13,774                             20,571
<INTEREST-OTHER>                                   196                              437                                778
<INTEREST-TOTAL>                                25,182                           50,642                             76,678
<INTEREST-DEPOSIT>                               8,229                           16,501                             25,187
<INTEREST-EXPENSE>                              13,053                           25,965                             39,671
<INTEREST-INCOME-NET>                           12,129                           24,677                             37,007
<LOAN-LOSSES>                                      498                              888                              4,178
<SECURITIES-GAINS>                                 382                              646                                805
<EXPENSE-OTHER>                                 11,351                           23,366                             36,655
<INCOME-PRETAX>                                  4,869                            9,568                             10,226
<INCOME-PRE-EXTRAORDINARY>                       4,869                            9,568                             10,226
<EXTRAORDINARY>                                      0                                0                                  0
<CHANGES>                                            0                                0                                  0
<NET-INCOME>                                     3,276                            6,371                              6,969
<EPS-BASIC>                                       0.28                             0.54                               0.60
<EPS-DILUTED>                                     0.27                             0.53                               0.58
<YIELD-ACTUAL>                                    7.80                             7.82                               7.83
<LOANS-NON>                                      9,778                            7,090                              8,546
<LOANS-PAST>                                     2,384                            2,697                              1,220
<LOANS-TROUBLED>                                     0                                0                                  0
<LOANS-PROBLEM>                                 12,400                           14,180                             37,210
<ALLOWANCE-OPEN>                                 8,237                            8,237                              8,237
<CHARGE-OFFS>                                      306                              575                              3,249
<RECOVERIES>                                        79                              248                                482
<ALLOWANCE-CLOSE>                                8,508                            8,798                              9,648
<ALLOWANCE-DOMESTIC>                             8,508                            8,798                              9,648
<ALLOWANCE-FOREIGN>                                  0                                0                                  0
<ALLOWANCE-UNALLOCATED>                          1,039                            1,448                                442



</TABLE>