First National Bank plans to open Wilmington bank.

REIDSVILLE, N.C.--(BUSINESS WIRE)--Dec. 18, 1996--Ernest J. Sewell, President, First National Bank and Chief Executive Officer of FNB Financial Services Corporation (NASDAQ: FNBF), a one-bank holding company and the parent company of First National Bank, announced that the bank has recently submitted

Pending approval of the application, the bank plans to open the office in March 1997. "This year has been an excellent year for our bank in terms of growth and accomplishment," stated Sewell. Highlights on the 1996 year are: Acquisition of Draper, N.C., office from a major bank in March; crossed $200 million in assets milestone in May; opened new Eden, N.C. Main Office in August; opened the FNB BankCard Center offering Visa and MasterCard products and opened an additional new FNB Express 24/HONOR Automated Teller Machine in September; held a ground breaking for a new state-of-the-art facility in Madison, N.C., in December, and will open the temporary office in January.

First National Bank has been rated as one of the "Top 50 Piedmont Triad Companies" with a record level of deposits and loans attained and credit quality among the best of North Carolina banks. "Research is being done at this time and the bank hopes to soon announce an additional opportunity in an adjoining county, subject to shareholder approval."

First National Bank has over 78 years of tradition in providing customer service and offering innovative banking products. "We are excited about bringing our `community style' of banking into the Wilmington area," Sewell noted.

First National Bank currently has over $200 million in assets. Its parent company, FNB Financial Services Corp. is traded on the NASDAQ National Market System under the symbol FNBF.

CONTACT: First National Bank, Reidsville

Ernest J. Sewell or Amy Huber, 910/342-3346