FNB Financial Services Corporation Surpasses $1 Billion in Assets

FNB Financial Services Corporation (NASDAQ: FNBF)
("FNB"), parent of FNB Southeast (the "Bank"), reported it has
surpassed $1 billion in assets as of September 30, 2005. The Bank has
17 branch offices in North Carolina and Virginia.
   "A billion dollars in assets moves us into a very elite group of
community banks," said Ernest J. Sewell, Vice Chairman, President and
Chief Executive Officer of FNB. "This achievement is a tribute to past
and current employees and directors. Our bank was founded on sound
banking practices and service to our customers and our communities.
These values will continue to influence our bank in the years to
come."
   The Bank was founded in 1910, with a single office in Reidsville,
NC. Over the years the Bank has grown its customer base throughout
North Carolina and Virginia. Currently, the Bank operates 17 banking
offices, which also provide mortgage banking and investment services.
   "Our company will continue the tradition of growth and service. We
have definite plans to continue our pattern of internal growth,"
commented Pressley A. Ridgill, President and Chief Operating Officer
of FNB Southeast. "For nearly a century, FNB has focused on serving
the needs of individuals and small to medium-sized businesses.
Opportunity still abounds within our market areas. Our management team
will continue to evaluate these opportunities to expand services to
our customers and communities. We are very excited about our future!"
   Information in this press release may contain "forward-looking
statements." These statements involve risks and uncertainties that
could cause actual results to differ materially, including, without
limitation, the effects of future economic conditions, governmental
fiscal and monetary policies, legislative and regulatory changes, the
risks of changes in interest rates and the effects of competition.
Additional factors that could cause actual results to differ
materially are discussed in FNB's recent filings with the Securities
and Exchange Commission, including, but not limited to, its Annual
Report on Form 10-K and its other periodic reports.