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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FNB FINANCIAL SERVICES CORPORATION FOR THE NINE MONTHS
ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 27,305
<INT-BEARING-DEPOSITS> 2,116
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 134,324
<INVESTMENTS-CARRYING> 3,610
<INVESTMENTS-MARKET> 0
<LOANS> 481,527
<ALLOWANCE> (5,270)
<TOTAL-ASSETS> 665,772
<DEPOSITS> 553,693
<SHORT-TERM> 0
<LIABILITIES-OTHER> 4,742
<LONG-TERM> 42,500
0
0
<COMMON> 4,485
<OTHER-SE> 50,013
<TOTAL-LIABILITIES-AND-EQUITY> 665,772
<INTEREST-LOAN> 31,487
<INTEREST-INVEST> 6,171
<INTEREST-OTHER> 179
<INTEREST-TOTAL> 37,837
<INTEREST-DEPOSIT> 18,679
<INTEREST-EXPENSE> 21,103
<INTEREST-INCOME-NET> 16,734
<LOAN-LOSSES> 1,246
<SECURITIES-GAINS> 62
<EXPENSE-OTHER> 11,092
<INCOME-PRETAX> 6,694
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,472
<EPS-BASIC> 1.00
<EPS-DILUTED> 0.99
<YIELD-ACTUAL> 8.53
<LOANS-NON> 3,657
<LOANS-PAST> 53
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,436
<CHARGE-OFFS> 537
<RECOVERIES> 125
<ALLOWANCE-CLOSE> 5,270
<ALLOWANCE-DOMESTIC> 5,270
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 75
</TABLE>
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