<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>                                       3,642,805
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             7,210,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 31,872,106
<INVESTMENTS-CARRYING>                      18,408,406
<INVESTMENTS-MARKET>                        17,514,000
<LOANS>                                     85,443,484
<ALLOWANCE>                                  1,625,856
<TOTAL-ASSETS>                             152,608,710
<DEPOSITS>                                 134,101,071
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            809,957
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,117,710
<OTHER-SE>                                  12,579,972
<TOTAL-LIABILITIES-AND-EQUITY>             152,608,710
<INTEREST-LOAN>                              5,762,139
<INTEREST-INVEST>                            1,929,019
<INTEREST-OTHER>                               550,654
<INTEREST-TOTAL>                             8,241,812
<INTEREST-DEPOSIT>                           4,201,647
<INTEREST-EXPENSE>                           4,201,647
<INTEREST-INCOME-NET>                        4,040,165
<LOAN-LOSSES>                                   96,721
<SECURITIES-GAINS>                               4,768
<EXPENSE-OTHER>                              2,317,736
<INCOME-PRETAX>                              1,929,926
<INCOME-PRE-EXTRAORDINARY>                   1,429,839
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,429,839
<EPS-BASIC>                                       2.79
<EPS-DILUTED>                                     2.79
<YIELD-ACTUAL>                                    3.85
<LOANS-NON>                                  1,360,991
<LOANS-PAST>                                   195,061
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,556,052
<ALLOWANCE-OPEN>                             1,668,201
<CHARGE-OFFS>                                  152,494
<RECOVERIES>                                    13,428
<ALLOWANCE-CLOSE>                            1,625,856
<ALLOWANCE-DOMESTIC>                         1,625,856
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>