<TABLE> <S> <C>

<ARTICLE>    9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT SEPTEMBER
30, 1999 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE NINE MONTHS
ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1

<S>                                  <C>
<PERIOD-TYPE>                        9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       2,603,846
<INT-BEARING-DEPOSITS>                       1,038,959
<FED-FUNDS-SOLD>                             7,210,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 32,813,437
<INVESTMENTS-CARRYING>                      32,779,031
<INVESTMENTS-MARKET>                        31,824,586
<LOANS>                                     87,065,154
<ALLOWANCE>                                 (1,625,857)
<TOTAL-ASSETS>                             152,639,762
<DEPOSITS>                                 134,101,072
<SHORT-TERM>                                   267,616
<LIABILITIES-OTHER>                            579,976
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,117,830
<OTHER-SE>                                  10,275,751
<TOTAL-LIABILITIES-AND-EQUITY>             152,639,762
<INTEREST-LOAN>                              5,731,348
<INTEREST-INVEST>                            2,519,792
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             8,251,140
<INTEREST-DEPOSIT>                           4,201,647
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        4,049,493
<LOAN-LOSSES>                                   96,721
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,390,606
<INCOME-PRETAX>                              1,904,493
<INCOME-PRE-EXTRAORDINARY>                   1,904,493
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,432,329
<EPS-BASIC>                                     2.80
<EPS-DILUTED>                                     2.80
<YIELD-ACTUAL>                                    3.85
<LOANS-NON>                                          0
<LOANS-PAST>                                 1,556,052
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,643,316
<CHARGE-OFFS>                                  149,157
<RECOVERIES>                                    10,092
<ALLOWANCE-CLOSE>                            1,625,857
<ALLOWANCE-DOMESTIC>                         1,625,857
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>