<PAGE>   1

           As filed with the Securities and Exchange Commission on July 31, 2000

                                                Registration No. 333-
--------------------------------------------------------------------------------

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                 ---------------
                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                       FNB FINANCIAL SERVICES CORPORATION
             (Exact name of registrant as specified in its charter)

North Carolina                                               56-1382275
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                               Identification No.)

202 South Main Street
Reidsville, North Carolina                                   27320
(Address of Principal Executive Offices)                     (Zip Code)

                         BLACK DIAMOND SAVINGS BANK, FNB
                           INCENTIVE STOCK OPTION PLAN

                       FNB FINANCIAL SERVICES CORPORATION
                        OMNIBUS EQUITY COMPENSATION PLAN
                            (Full title of the plans)

             Ernest J. Sewell, President and Chief Executive Officer
                              202 South Main Street
                        Reidsville, North Carolina 27320
                     (Name and address of agent for service)

                                 (336) 342-3346
          (Telephone number, including area code, of agent for service)

                                    Copy to:
                              Gerald F. Roach, Esq.
          SMITH, ANDERSON, BLOUNT, DORSETT, MITCHELL & JERNIGAN, L.L.P.
                         2500 First Union Capitol Center
                          Raleigh, North Carolina 27601
                                 (919) 821-1220


                         CALCULATION OF REGISTRATION FEE

================================================================================
   Title of        Amount   Proposed maximum    Proposed maximum     Amount of
securities to      to be     offering price         aggregate      registration
be registered   registered    per share(1)       offering price         fee
--------------------------------------------------------------------------------

Common Stock,     350,000        $12.50             $4,375,000        $1,155
$1.00 par value
================================================================================

--------------------

(1) This price is estimated solely for the purpose of calculating the
registration fee. Pursuant to Rules 457(c) and (h), shares that may be the
subject of the Plans are deemed to be offered at $12.50 per share, the last sale
reported for the Registrant's Common Stock on July 27, 2000 in the Nasdaq
National Market System.

<PAGE>   2

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF DOCUMENTS BY REFERENCE

         The following documents have been filed by the Company with the
Commission and are incorporated herein by reference:

                  (a) Annual Report on Form 10-K for the fiscal year ended
                      December 31, 1999.

                  (b) Quarterly Report on Form 10-Q for the fiscal quarter ended
                      March 31, 1999.

                  (c) The description of the Company's common stock contained in
                      its Registration Statement on Form S-14 (File No. 2-90095)
                      filed with the Commission.

         All documents filed by the Company subsequent to the date hereof
pursuant to Sections 13(a), 13(c), 14, and 15(d) of the Securities Exchange Act
of 1934, as amended, prior to the filing of a post-effective amendment which
indicates that all securities offered under the Plan have been sold or which
deregisters all securities then remaining unsold, shall be deemed to be
incorporated by reference in this registration statement and to be a part hereof
from the date of filing of such documents.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS.

         North Carolina law permits a corporation to indemnify its directors,
officers, employees or agents under either or both a statutory or non-statutory
scheme of indemnification. Under the statutory scheme, a corporation may, with
certain exceptions, indemnify a director, officer, employee or agent of the
corporation who was, is, or is threatened to be made, a party to any threatened,
pending or completed legal action, suit or proceeding, whether civil, criminal,
administrative or investigative, because of the fact that such person was a
director, officer, employee or agent of the corporation, or is or was serving at
the request of such corporation as a director, officer, employee or agent of
another corporation or enterprise. This indemnity may include the obligation to
pay any judgment, settlement, penalty, fine (including an excise tax assessed
with respect to an employee benefit plan) and reasonable expenses incurred in
connection with the proceeding (including counsel fees), but no such
indemnification may be granted unless such director, officer, agent or employee
(1) conducted himself in good faith, (2) reasonably believed (a) that any action
taken in his official capacity with the corporation was in the best interest of
the corporation or (b) that in all other cases his conduct at least was not
opposed to the corporation's best interest, and (3) in the case of any criminal
proceeding, had no reasonable cause to believe his conduct was unlawful. Whether
a director has met the requisite standard of conduct for the type of
indemnification set forth above is determined by the corporation's board of
directors, a committee of directors, special legal counsel or the stockholders
in accordance with the statute. A corporation may not indemnify a director under
the statutory scheme in connection with a proceeding by or in the right of the
corporation in which the director was adjudged liable to the corporation or in
connection with a proceeding in which a director was adjudged liable on the
basis of having received an improper personal benefit.

         In addition to, and separate and apart from the indemnification
described above under the statutory scheme, North Carolina law permits a
corporation to indemnify or agree to indemnify any of its directors, officers,
employees or agents against liability and expenses (including attorneys fees) in
any proceeding (including proceedings brought by or on behalf of the
corporation) arising out of their status as such or their activities in such
capacities, except for any liabilities or expenses incurred on account of
activities that were, at the time taken, known or believed by the person to be
clearly in conflict with the best interests of the corporation. FNB's bylaws
provide for indemnification to the fullest extent permitted under North Carolina
law for persons who serve as directors or officers of FNB or at the request of
FNB serve as an officer, director, agent, partner, trustee, administrator or
employee for any other foreign or domestic entity. Accordingly, FNB may
indemnify its directors, officers, and employees in accordance with either the
statutory or non-statutory standard.

         In addition, North Carolina law requires a corporation, unless its
articles of incorporation provide otherwise, to indemnify a director or officer
who has been wholly successful, on the merits or otherwise, in the defense of
any proceeding to which such director or officer was a party. Unless prohibited
by the articles of incorporation, a director or officer also may make
application and obtain court-ordered

                                      -2-

<PAGE>   3

indemnification if the court determines that such director or officer is fairly
and reasonably entitled to such indemnification.

         Finally, North Carolina law provides that a corporation may purchase
and maintain insurance on behalf of an individual who is or was a director,
officer, employee or agent to the corporation against certain liabilities
incurred by such persons, whether or not the corporation is otherwise authorized
under North Carolina law to indemnify such party. FNB currently maintains
directors' and officers' insurance policies covering its directors and officers.

         As permitted by North Carolina law, the FNB Articles limit the personal
liability of directors for monetary damages for breaches of duty as a director
whether by or in the right of FNB or otherwise, provided that such limitation
will not apply to (1) acts or omissions that the director at the time of the
breach knew or believed were clearly in conflict with FNB's best interests, (2)
any liability for unlawful distributions under North Carolina law, (3) any
transaction from which the director derived an improper personal benefit or
(4)acts or omissions occurring prior to the date the provision became effective.
In addition, the FNB Articles also provide that the FNB board of directors shall
have the authority to adopt resolutions approving the indemnification, to the
fullest extent provided under North Carolina law, of any person made a party to
any action or proceeding, whether civil, criminal or administrative, by reason
of the fact that such person was serving as a director, officer, employee or
agent of FNB.

ITEM 8.  EXHIBITS

         The following exhibits are filed as a part of this Registration
Statement:

EXHIBIT
NUMBER           DESCRIPTION OF EXHIBIT
------           ----------------------

4(1)             Specimen Common Stock Certificate

5                Opinion of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P.

23.1             Consent of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P. (included in Exhibit 5 hereto)

23.2             Consent of PricewaterhouseCoopers LLP

23.3             Consent of Cherry, Bekaert & Holland, L.L.P.

23.4             Consent of McGladrey & Pullen, LLP

24               Power of Attorney (included as part of the signature page
                 hereof)

--------------------

(1)     Exhibit to the Company's Registration Statement on Form S-14 (File No.
        2-90095), as filed with the Commission and incorporated herein by
        reference.

                                      -3-

<PAGE>   4

ITEM 9.  UNDERTAKINGS

         The undersigned registrant hereby undertakes:

         (1)      To file, during any period in which offers or sales are being
                  made, a post-effective amendment to this registration
                  statement to include any material information with respect to
                  the plan of distribution not previously disclosed in the
                  registration statement or any material change to such
                  information in the registration statement.

         (2)      That, for the purpose of determining any liability under the
                  Securities Act of 1933, each such post-effective amendment
                  shall be deemed to be a new registration statement relating to
                  the securities offered therein, and the offering of such
                  securities at that time shall be deemed to be the initial bona
                  fide offering thereof; and

         (3)      To remove from registration by means of a post-effective
                  amendment any of the securities being registered which remain
                  unsold at the termination of the offering.

         The undersigned registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act of 1933, each filing of the
registrant's annual report pursuant to section 13(a) or section 15(d) of the
Securities Exchange Act of 1934 (and, where applicable, each filing of an
employee benefit plan's annual report pursuant to section 15(d) of the
Securities Exchange Act of 1934) that is incorporated by reference in the
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.

         Insofar as indemnification for liabilities arising under the Securities
Act of 1933 may be permitted to directors, officers and controlling persons of
the registrant pursuant to the foregoing provisions, or otherwise, the
registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the Act
and is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer or controlling person of the registrant
in the successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities being
registered, the registrant will, unless in the opinion of its counsel the matter
has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question whether such indemnification by it is against public
policy as expressed in the Act and will be governed by the final adjudication of
such issue.

                                      -4-

<PAGE>   5

                                   SIGNATURES

         Pursuant to the requirements of the Securities Act of 1933, the
registrant certifies that it has reasonable grounds to believe that it meets all
of the requirements for filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Reidsville, State of North Carolina, on June 15,
2000.

                              FNB FINANCIAL SERVICES CORPORATION

                              BY:     /s/ Ernest J. Sewell
                                      -------------------------------------
                              NAME:   Ernest J. Sewell
                              TITLE:  President and Chief Executive Officer

         KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Ernest J. Sewell and Michael W. Shelton
and either of them, with full power to act without the other, his true and
lawful attorneys-in-fact and agents, with full powers of substitution and
resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any or all amendments (including post-effective amendments)
to this registration statement and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange
Commission, granting unto said attorneys-in-fact and agents full power and
authority to do and perform each and every act and thing requisite and necessary
to be done in and about the premises, as fully for all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents, or their substitutes, may lawfully do or cause to
be done by virtue hereof.

         Pursuant to the requirements of the Securities Act of 1933, this
Registration Statement has been signed by the following persons on June 15, 2000
in the capacities indicated.

Signature                              Title
---------                              -----

/s/ Ernest J. Sewell                   President, Chief Executive Officer and
-----------------------------             Director (Principal Executive Officer)
Ernest J. Sewell

/s/ Michael W. Shelton                 Vice President and Chief Financial
-----------------------------             Officer (Principal Financial and
Michael W. Shelton                        Accounting Officer)

/s/ Don M. Green                       Director, President and Chief Executive
-----------------------------             Officer of Black Diamond Savings
Don M. Green                              Bank, FSB

/s/ Barry Z. Dodson                    Chairman of the Board
-----------------------------
Barry Z. Dodson

/s/ W. B. Apple, Jr.                   Director
-----------------------------
W. B. Apple, Jr.

/s/ Gary G. Blosser                    Director
-----------------------------
Gary G. Blosser

/s/ Charles A. Britt                   Director
-----------------------------
Charles A. Britt

/s/ O. Eddie Green                     Director
-----------------------------
O. Eddie Green

/s/ Joseph H. Kinnarney                Director
-----------------------------
Joseph H. Kinnarney

/s/ Clifton G. Payne                   Director
-----------------------------
Clifton G. Payne

/s/ Elton H. Trent, Jr.                Director
-----------------------------
Elton H. Trent, Jr.

/s/ Kenan C. Wright                    Director
-----------------------------
Kenan C. Wright

                                      -5-

<PAGE>   6

                                  EXHIBIT INDEX

EXHIBIT
NUMBER           DESCRIPTION OF EXHIBIT
------           ----------------------

4(1)             Specimen Common Stock Certificate

5                Opinion of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P.

23.1             Consent of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P. (included in Exhibit 5 hereto)

23.2             Consent of PricewaterhouseCoopers LLP

23.3             Consent of Cherry, Bekaert & Holland, L.L.P.

23.4             Consent of McGladrey & Pullen, LLP

24               Power of Attorney (included as part of the signature page
                 hereof)

--------------------

(1)     Exhibit to the Company's Registration Statement on Form S-14 (File No.
        2-90095), as filed with the Commission and incorporated herein by
        reference.

                                      -6-
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{"company-data": {"conformed-name": "FNB FINANCIAL SERVICES CORP", "cik": "0000742679", "assigned-sic": "6021", "irs-number": "561382275", "state-of-incorporation": "NC", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-42618", "film-number": "682233"}, "business-address": {"street1": "202 SOUTH MAIN ST", "city": "REIDSVILLE", "state": "NC", "zip": "27320", "phone": "3363423346"}, "mail-address": {"street1": "FNB FINANCIAL SERVICES CORP", "street2": "202 SOUTH MAIN ST", "city": "REIDSVILE", "state": "NC", "zip": "27320"}}
1

           As filed with the Securities and Exchange Commission on July 31, 2000

                                                Registration No. 333-
--------------------------------------------------------------------------------

                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                 ---------------
                                    FORM S-8
                             REGISTRATION STATEMENT
                                      UNDER
                           THE SECURITIES ACT OF 1933

                       FNB FINANCIAL SERVICES CORPORATION
             (Exact name of registrant as specified in its charter)

North Carolina                                               56-1382275
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                               Identification No.)

202 South Main Street
Reidsville, North Carolina                                   27320
(Address of Principal Executive Offices)                     (Zip Code)

                         BLACK DIAMOND SAVINGS BANK, FNB
                           INCENTIVE STOCK OPTION PLAN

                       FNB FINANCIAL SERVICES CORPORATION
                        OMNIBUS EQUITY COMPENSATION PLAN
                            (Full title of the plans)

             Ernest J. Sewell, President and Chief Executive Officer
                              202 South Main Street
                        Reidsville, North Carolina 27320
                     (Name and address of agent for service)

                                 (336) 342-3346
          (Telephone number, including area code, of agent for service)

                                    Copy to:
                              Gerald F. Roach, Esq.
          SMITH, ANDERSON, BLOUNT, DORSETT, MITCHELL & JERNIGAN, L.L.P.
                         2500 First Union Capitol Center
                          Raleigh, North Carolina 27601
                                 (919) 821-1220

                         CALCULATION OF REGISTRATION FEE

================================================================================
   Title of        Amount   Proposed maximum    Proposed maximum     Amount of
securities to      to be     offering price         aggregate      registration
be registered   registered    per share(1)       offering price         fee
--------------------------------------------------------------------------------

Common Stock,     350,000        $12.50             $4,375,000        $1,155
$1.00 par value
================================================================================

--------------------

(1) This price is estimated solely for the purpose of calculating the
registration fee. Pursuant to Rules 457(c) and (h), shares that may be the
subject of the Plans are deemed to be offered at $12.50 per share, the last sale
reported for the Registrant's Common Stock on July 27, 2000 in the Nasdaq
National Market System.
2

               INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

ITEM 3.  INCORPORATION OF DOCUMENTS BY REFERENCE

         The following documents have been filed by the Company with the
Commission and are incorporated herein by reference:

                  (a) Annual Report on Form 10-K for the fiscal year ended
                      December 31, 1999.

                  (b) Quarterly Report on Form 10-Q for the fiscal quarter ended
                      March 31, 1999.

                  (c) The description of the Company's common stock contained in
                      its Registration Statement on Form S-14 (File No. 2-90095)
                      filed with the Commission.

         All documents filed by the Company subsequent to the date hereof
pursuant to Sections 13(a), 13(c), 14, and 15(d) of the Securities Exchange Act
of 1934, as amended, prior to the filing of a post-effective amendment which
indicates that all securities offered under the Plan have been sold or which
deregisters all securities then remaining unsold, shall be deemed to be
incorporated by reference in this registration statement and to be a part hereof
from the date of filing of such documents.

ITEM 6.  INDEMNIFICATION OF DIRECTORS AND OFFICERS.

         North Carolina law permits a corporation to indemnify its directors,
officers, employees or agents under either or both a statutory or non-statutory
scheme of indemnification. Under the statutory scheme, a corporation may, with
certain exceptions, indemnify a director, officer, employee or agent of the
corporation who was, is, or is threatened to be made, a party to any threatened,
pending or completed legal action, suit or proceeding, whether civil, criminal,
administrative or investigative, because of the fact that such person was a
director, officer, employee or agent of the corporation, or is or was serving at
the request of such corporation as a director, officer, employee or agent of
another corporation or enterprise. This indemnity may include the obligation to
pay any judgment, settlement, penalty, fine (including an excise tax assessed
with respect to an employee benefit plan) and reasonable expenses incurred in
connection with the proceeding (including counsel fees), but no such
indemnification may be granted unless such director, officer, agent or employee
(1) conducted himself in good faith, (2) reasonably believed (a) that any action
taken in his official capacity with the corporation was in the best interest of
the corporation or (b) that in all other cases his conduct at least was not
opposed to the corporation's best interest, and (3) in the case of any criminal
proceeding, had no reasonable cause to believe his conduct was unlawful. Whether
a director has met the requisite standard of conduct for the type of
indemnification set forth above is determined by the corporation's board of
directors, a committee of directors, special legal counsel or the stockholders
in accordance with the statute. A corporation may not indemnify a director under
the statutory scheme in connection with a proceeding by or in the right of the
corporation in which the director was adjudged liable to the corporation or in
connection with a proceeding in which a director was adjudged liable on the
basis of having received an improper personal benefit.

         In addition to, and separate and apart from the indemnification
described above under the statutory scheme, North Carolina law permits a
corporation to indemnify or agree to indemnify any of its directors, officers,
employees or agents against liability and expenses (including attorneys fees) in
any proceeding (including proceedings brought by or on behalf of the
corporation) arising out of their status as such or their activities in such
capacities, except for any liabilities or expenses incurred on account of
activities that were, at the time taken, known or believed by the person to be
clearly in conflict with the best interests of the corporation. FNB's bylaws
provide for indemnification to the fullest extent permitted under North Carolina
law for persons who serve as directors or officers of FNB or at the request of
FNB serve as an officer, director, agent, partner, trustee, administrator or
employee for any other foreign or domestic entity. Accordingly, FNB may
indemnify its directors, officers, and employees in accordance with either the
statutory or non-statutory standard.

         In addition, North Carolina law requires a corporation, unless its
articles of incorporation provide otherwise, to indemnify a director or officer
who has been wholly successful, on the merits or otherwise, in the defense of
any proceeding to which such director or officer was a party. Unless prohibited
by the articles of incorporation, a director or officer also may make
application and obtain court-ordered

                                      -2-
3

indemnification if the court determines that such director or officer is fairly
and reasonably entitled to such indemnification.

         Finally, North Carolina law provides that a corporation may purchase
and maintain insurance on behalf of an individual who is or was a director,
officer, employee or agent to the corporation against certain liabilities
incurred by such persons, whether or not the corporation is otherwise authorized
under North Carolina law to indemnify such party. FNB currently maintains
directors' and officers' insurance policies covering its directors and officers.

         As permitted by North Carolina law, the FNB Articles limit the personal
liability of directors for monetary damages for breaches of duty as a director
whether by or in the right of FNB or otherwise, provided that such limitation
will not apply to (1) acts or omissions that the director at the time of the
breach knew or believed were clearly in conflict with FNB's best interests, (2)
any liability for unlawful distributions under North Carolina law, (3) any
transaction from which the director derived an improper personal benefit or
(4)acts or omissions occurring prior to the date the provision became effective.
In addition, the FNB Articles also provide that the FNB board of directors shall
have the authority to adopt resolutions approving the indemnification, to the
fullest extent provided under North Carolina law, of any person made a party to
any action or proceeding, whether civil, criminal or administrative, by reason
of the fact that such person was serving as a director, officer, employee or
agent of FNB.

ITEM 8.  EXHIBITS

         The following exhibits are filed as a part of this Registration
Statement:

EXHIBIT
NUMBER           DESCRIPTION OF EXHIBIT
------           ----------------------

4(1)             Specimen Common Stock Certificate

5                Opinion of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P.

23.1             Consent of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P. (included in Exhibit 5 hereto)

23.2             Consent of PricewaterhouseCoopers LLP

23.3             Consent of Cherry, Bekaert & Holland, L.L.P.

23.4             Consent of McGladrey & Pullen, LLP

24               Power of Attorney (included as part of the signature page
                 hereof)

--------------------

(1)     Exhibit to the Company's Registration Statement on Form S-14 (File No.
        2-90095), as filed with the Commission and incorporated herein by
        reference.

                                      -3-
4

ITEM 9.  UNDERTAKINGS

         The undersigned registrant hereby undertakes:

         (1)      To file, during any period in which offers or sales are being
                  made, a post-effective amendment to this registration
                  statement to include any material information with respect to
                  the plan of distribution not previously disclosed in the
                  registration statement or any material change to such
                  information in the registration statement.

         (2)      That, for the purpose of determining any liability under the
                  Securities Act of 1933, each such post-effective amendment
                  shall be deemed to be a new registration statement relating to
                  the securities offered therein, and the offering of such
                  securities at that time shall be deemed to be the initial bona
                  fide offering thereof; and

         (3)      To remove from registration by means of a post-effective
                  amendment any of the securities being registered which remain
                  unsold at the termination of the offering.

         The undersigned registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act of 1933, each filing of the
registrant's annual report pursuant to section 13(a) or section 15(d) of the
Securities Exchange Act of 1934 (and, where applicable, each filing of an
employee benefit plan's annual report pursuant to section 15(d) of the
Securities Exchange Act of 1934) that is incorporated by reference in the
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.

         Insofar as indemnification for liabilities arising under the Securities
Act of 1933 may be permitted to directors, officers and controlling persons of
the registrant pursuant to the foregoing provisions, or otherwise, the
registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the Act
and is, therefore, unenforceable. In the event that a claim for indemnification
against such liabilities (other than the payment by the registrant of expenses
incurred or paid by a director, officer or controlling person of the registrant
in the successful defense of any action, suit or proceeding) is asserted by such
director, officer or controlling person in connection with the securities being
registered, the registrant will, unless in the opinion of its counsel the matter
has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question whether such indemnification by it is against public
policy as expressed in the Act and will be governed by the final adjudication of
such issue.

                                      -4-
5

                                   SIGNATURES

         Pursuant to the requirements of the Securities Act of 1933, the
registrant certifies that it has reasonable grounds to believe that it meets all
of the requirements for filing on Form S-8 and has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Reidsville, State of North Carolina, on June 15,
2000.

                              FNB FINANCIAL SERVICES CORPORATION

                              BY:     /s/ Ernest J. Sewell
                                      -------------------------------------
                              NAME:   Ernest J. Sewell
                              TITLE:  President and Chief Executive Officer

         KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Ernest J. Sewell and Michael W. Shelton
and either of them, with full power to act without the other, his true and
lawful attorneys-in-fact and agents, with full powers of substitution and
resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any or all amendments (including post-effective amendments)
to this registration statement and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange
Commission, granting unto said attorneys-in-fact and agents full power and
authority to do and perform each and every act and thing requisite and necessary
to be done in and about the premises, as fully for all intents and purposes as
he might or could do in person, hereby ratifying and confirming all that said
attorneys-in-fact and agents, or their substitutes, may lawfully do or cause to
be done by virtue hereof.

         Pursuant to the requirements of the Securities Act of 1933, this
Registration Statement has been signed by the following persons on June 15, 2000
in the capacities indicated.

Signature                              Title
---------                              -----

/s/ Ernest J. Sewell                   President, Chief Executive Officer and
-----------------------------             Director (Principal Executive Officer)
Ernest J. Sewell

/s/ Michael W. Shelton                 Vice President and Chief Financial
-----------------------------             Officer (Principal Financial and
Michael W. Shelton                        Accounting Officer)

/s/ Don M. Green                       Director, President and Chief Executive
-----------------------------             Officer of Black Diamond Savings
Don M. Green                              Bank, FSB

/s/ Barry Z. Dodson                    Chairman of the Board
-----------------------------
Barry Z. Dodson

/s/ W. B. Apple, Jr.                   Director
-----------------------------
W. B. Apple, Jr.

/s/ Gary G. Blosser                    Director
-----------------------------
Gary G. Blosser

/s/ Charles A. Britt                   Director
-----------------------------
Charles A. Britt

/s/ O. Eddie Green                     Director
-----------------------------
O. Eddie Green

/s/ Joseph H. Kinnarney                Director
-----------------------------
Joseph H. Kinnarney

/s/ Clifton G. Payne                   Director
-----------------------------
Clifton G. Payne

/s/ Elton H. Trent, Jr.                Director
-----------------------------
Elton H. Trent, Jr.

/s/ Kenan C. Wright                    Director
-----------------------------
Kenan C. Wright

                                      -5-
6

                                  EXHIBIT INDEX

EXHIBIT
NUMBER           DESCRIPTION OF EXHIBIT
------           ----------------------

4(1)             Specimen Common Stock Certificate

5                Opinion of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P.

23.1             Consent of Smith, Anderson, Blount, Dorsett, Mitchell &
                 Jernigan, L.L.P. (included in Exhibit 5 hereto)

23.2             Consent of PricewaterhouseCoopers LLP

23.3             Consent of Cherry, Bekaert & Holland, L.L.P.

23.4             Consent of McGladrey & Pullen, LLP

24               Power of Attorney (included as part of the signature page
                 hereof)

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(1)     Exhibit to the Company's Registration Statement on Form S-14 (File No.
        2-90095), as filed with the Commission and incorporated herein by
        reference.

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