================================================================================
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 19, 1999

                                   FCNB Corp
             -----------------------------------------------------
             (Exact name of registrant as specified in its charter)

               MARYLAND                                52-1479635
   (State or other jurisdiction of                 (I.R.S.  Employer
    incorporation or organization)                 Identification  No.)

 7200 FCNB Court,  Frederick, Maryland                     21703
(Address of principal executive offices)                 (Zip  Code)


        Registrants telephone number, including area code: (301)662-2191

================================================================================
<PAGE>



Item 5. Other Items.

On August 19, 1999, FCNB Corp (the Company) consummated its previously announced
merger of First Frederick Financial Corp (First),  the holding company for First
Bank of Frederick, with and into FCNB, and the merger of First Bank of Frederick
with and into FCNBs wholly owned  subsidiary,  FCNB Bank, all  headquartered  in
Frederick, Maryland. FCNB and First executed a definitive agreement on March 12,
1999.

As a result of the Merger,  each share of the $1.00 par value outstanding common
stock of First was converted  into 1.0434 shares of the Companys $1.00 par value
common stock resulting in the issuance of approximately 1,543,473 shares of FCNB
common stock, subject to adjustment to account for the elimination of fractional
shares.

The  consummation  of the  acquisition of First,  which has  approximately  $110
million of total assets, gives FCNB approximately $1.45 billion in total assets,
total deposits of approximately $972 million,  and total shareholders  equity of
approximately $91 million.

<PAGE>

                                   SIGNATURES


        Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.



                                               FCNB CORP

                                               By: /s/ Patrick Linton, President
                                                   -----------------------------

Dated: August 25, 1999
[{"type": "8-K", "sequence": "1", "description": "FORM 8-K", "secsgml_size_bytes": 2662}]
{"company-data": {"conformed-name": "FCNB CORP", "cik": "0000803644", "assigned-sic": "6022", "irs-number": "521479635", "state-of-incorporation": "MD", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-15645", "film-number": "99699060"}, "business-address": {"street1": "7200 FCNB COURT", "city": "FREDERICK", "state": "MD", "zip": "21703", "phone": "3016622191"}, "mail-address": {"street1": "PO BOX 240", "city": "FREDERICK", "state": "MD", "zip": "21705-0240"}}
================================================================================
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 19, 1999

                                   FCNB Corp
             -----------------------------------------------------
             (Exact name of registrant as specified in its charter)

               MARYLAND                                52-1479635
   (State or other jurisdiction of                 (I.R.S.  Employer
    incorporation or organization)                 Identification  No.)

 7200 FCNB Court,  Frederick, Maryland                     21703
(Address of principal executive offices)                 (Zip  Code)

        Registrants telephone number, including area code: (301)662-2191

================================================================================
Item 5. Other Items.

On August 19, 1999, FCNB Corp (the Company) consummated its previously announced
merger of First Frederick Financial Corp (First),  the holding company for First
Bank of Frederick, with and into FCNB, and the merger of First Bank of Frederick
with and into FCNBs wholly owned  subsidiary,  FCNB Bank, all  headquartered  in
Frederick, Maryland. FCNB and First executed a definitive agreement on March 12,
1999.

As a result of the Merger,  each share of the $1.00 par value outstanding common
stock of First was converted  into 1.0434 shares of the Companys $1.00 par value
common stock resulting in the issuance of approximately 1,543,473 shares of FCNB
common stock, subject to adjustment to account for the elimination of fractional
shares.

The  consummation  of the  acquisition of First,  which has  approximately  $110
million of total assets, gives FCNB approximately $1.45 billion in total assets,
total deposits of approximately $972 million,  and total shareholders  equity of
approximately $91 million.
SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                               FCNB CORP

                                               By: /s/ Patrick Linton, President
                                                   -----------------------------

Dated: August 25, 1999