<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>             <C>              <C>        
   <PERIOD-TYPE>                                 YEAR             3-MOS            6-MOS           9-MOS             YEAR
<FISCAL-YEAR-END>                          DEC-31-1996      DEC-31-1997      DEC-31-1997     DEC-31-1997      DEC-31-1997
<PERIOD-START>                             JAN-01-1996      JAN-01-1997      JAN-01-1997     JAN-01-1997      JAN-01-1997
<PERIOD-END>                               DEC-31-1996      MAR-31-1997      JUN-30-1997     SEP-30-1997      DEC-31-1997
<EXCHANGE-RATE>                                      1                1                1               1                1
<CASH>                                          36,316           28,019           36,904          31,511           32,136
<INT-BEARING-DEPOSITS>                           1,065            3,632              828           9,803              755
<FED-FUNDS-SOLD>                                24,038           26,085           30,618          34,193           41,031
<TRADING-ASSETS>                                     0                0                0               0                0
<INVESTMENTS-HELD-FOR-SALE>                    181,709          188,297          203,354         197,109          230,293
<INVESTMENTS-CARRYING>                          37,025           35,743           43,447          55,536           48,889
<INVESTMENTS-MARKET>                            68,685           35,769           43,609          55,876           49,230
<LOANS>                                        583,796          600,780          626,459         656,584          674,568
<ALLOWANCE>                                      5,997            6,457            6,456           6,294            6,701
<TOTAL-ASSETS>                                 907,603          937,891          990,102       1,041,101        1,083,898
<DEPOSITS>                                     690,710          702,964          727,858         725,007          745,486
<SHORT-TERM>                                   132,149          149,232          174,536         223,518          239,620
<LIABILITIES-OTHER>                              6,177            7,090            5,601           6,817           10,776
<LONG-TERM>                                          0                0                0               0                0
<PREFERRED-MANDATORY>                                0                0                0               0                0
<PREFERRED>                                          0                0                0               0                0
<COMMON>                                         7,466            7,461            7,463           8,015            8,017
<OTHER-SE>                                      70,866           71,145           74,645          77,745           79,999
<TOTAL-LIABILITIES-AND-EQUITY>                 907,603          937,891          990,102       1,041,101        1,083,898
<INTEREST-LOAN>                                 50,232           13,541           27,640          42,511           57,728
<INTEREST-INVEST>                               12,133            3,543            7,389          11,478           15,651
<INTEREST-OTHER>                                 1,437              317              617             920            1,296
<INTEREST-TOTAL>                                63,802           17,401           35,646          54,909           74,675
<INTEREST-DEPOSIT>                              23,556            6,115           12,585          19,263           26,211
<INTEREST-EXPENSE>                              28,725            8,036           16,621          26,058           35,978
<INTEREST-INCOME-NET>                           35,077            9,365           19,025          28,851           38,697
<LOAN-LOSSES>                                      408              281              557           1,069            1,524
<SECURITIES-GAINS>                                 440               89              146             367              733
<EXPENSE-OTHER>                                 34,856            8,864           17,155          25,673           34,537
<INCOME-PRETAX>                                 10,767            3,118            7,095          11,254           15,166
<INCOME-PRE-EXTRAORDINARY>                      10,767            3,118            7,095          11,254           15,166
<EXTRAORDINARY>                                      0                0                0               0                0
<CHANGES>                                            0                0                0               0                0
<NET-INCOME>                                     6,876            2,150            4,691           7,439           10,096
<EPS-PRIMARY>                                     0.69             0.22             0.48            0.74             1.01
<EPS-DILUTED>                                     0.69             0.22             0.48            0.74             1.01
<YIELD-ACTUAL>                                    8.36             8.24             8.31            8.34             8.36
<LOANS-NON>                                      5,838            4,195            4,078           3,101            4,646
<LOANS-PAST>                                     2,531            2,807            2,983           1,044            1,039
<LOANS-TROUBLED>                                    31                0                0               0              128
<LOANS-PROBLEM>                                 16,880           14,780           14,680          16,610           15,350
<ALLOWANCE-OPEN>                                 6,364            5,997            5,997           5,997            5,997
<CHARGE-OFFS>                                    1,424              113              491           1,192            1,399
<RECOVERIES>                                       187              292              393             420              579
<ALLOWANCE-CLOSE>                                5,997            6,457            6,456           6,294            6,701
<ALLOWANCE-DOMESTIC>                             5,997            6,457            6,456           6,294            6,701
<ALLOWANCE-FOREIGN>                                  0                0                0               0                0
<ALLOWANCE-UNALLOCATED>                            615              571            1,285             923            1,214
        


</TABLE>