<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>
<PERIOD-TYPE>                                     YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                          30,500
<INT-BEARING-DEPOSITS>                           1,334
<FED-FUNDS-SOLD>                                47,262
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    421,176
<INVESTMENTS-CARRYING>                          30,045
<INVESTMENTS-MARKET>                            30,469
<LOANS>                                        727,566
<ALLOWANCE>                                      7,198
<TOTAL-ASSETS>                               1,337,224
<DEPOSITS>                                     851,819
<SHORT-TERM>                                   340,442
<LIABILITIES-OTHER>                             14,103
<LONG-TERM>                                     40,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,061
<OTHER-SE>                                      80,549
<TOTAL-LIABILITIES-AND-EQUITY>               1,337,224
<INTEREST-LOAN>                                 62,894
<INTEREST-INVEST>                               20,861
<INTEREST-OTHER>                                 1,666
<INTEREST-TOTAL>                                85,421
<INTEREST-DEPOSIT>                              29,277
<INTEREST-EXPENSE>                              43,835
<INTEREST-INCOME-NET>                           41,586
<LOAN-LOSSES>                                    1,770
<SECURITIES-GAINS>                               1,481
<EXPENSE-OTHER>                                 40,644
<INCOME-PRETAX>                                 14,837
<INCOME-PRE-EXTRAORDINARY>                      14,837
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,061
<EPS-PRIMARY>                                     0.80
<EPS-DILUTED>                                     0.80
<YIELD-ACTUAL>                                    8.14
<LOANS-NON>                                      6,419
<LOANS-PAST>                                     1,571
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 17,330
<ALLOWANCE-OPEN>                                 6,701
<CHARGE-OFFS>                                    1,680
<RECOVERIES>                                       407
<ALLOWANCE-CLOSE>                                7,198
<ALLOWANCE-DOMESTIC>                             7,198
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            680
        


</TABLE>