1 EXHIBIT 2.1 [Agreement and Plan of Merger, dated as of April 5, 2000, by and among Citizens National Bank of Berkeley Springs and CNB Financial Services, Inc. (included as Appendix I to the Proxy Statement/Prospectus)]]

   1
                                                                     EXHIBIT 2.1


[Agreement and Plan of Merger, dated as of April 5, 2000, by and among Citizens
       National Bank of Berkeley Springs and CNB Financial Services, Inc.
          (included as Appendix I to the Proxy Statement/Prospectus)]]