<TABLE> <S> <C>

<ARTICLE>    9
<LEGEND>    
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT JUNE
30, 1998 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE SIX MONTHS
ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
       
<S>                                  <C>
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       2,527,637
<INT-BEARING-DEPOSITS>                       5,020,797
<FED-FUNDS-SOLD>                             8,150,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 27,686,235
<INVESTMENTS-CARRYING>                      15,008,570 
<INVESTMENTS-MARKET>                        15,188,606
<LOANS>                                     83,284,604
<ALLOWANCE>                                 (1,588,698)
<TOTAL-ASSETS>                             144,599,656
<DEPOSITS>                                 126,729,635
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,174,996
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,119,110
<OTHER-SE>                                  11,575,915
<TOTAL-LIABILITIES-AND-EQUITY>             144,599,656
<INTEREST-LOAN>                              4,023,885
<INTEREST-INVEST>                            1,461,998
<INTEREST-OTHER>                               193,982     
<INTEREST-TOTAL>                             5,679,865
<INTEREST-DEPOSIT>                           2,903,378
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        2,776,487
<LOAN-LOSSES>                                  135,000
<SECURITIES-GAINS>                              19,583
<EXPENSE-OTHER>                              1,405,793
<INCOME-PRETAX>                              1,391,103
<INCOME-PRE-EXTRAORDINARY>                   1,008,079
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,008,079
<EPS-PRIMARY>                                     1.97
<EPS-DILUTED>                                     1.97
<YIELD-ACTUAL>                                    3.80
<LOANS-NON>                                    285,738
<LOANS-PAST>                                    47,291
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,452,126
<CHARGE-OFFS>                                   25,641
<RECOVERIES>                                    27,213
<ALLOWANCE-CLOSE>                            1,588,698  
<ALLOWANCE-DOMESTIC>                         1,588,698  
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>