<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,
2000 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE NINE MONTHS ENDED
SEPTEMBER 30, 2000 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-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,849,789
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,600,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 35,351,397
<INVESTMENTS-CARRYING>                      20,934,150
<INVESTMENTS-MARKET>                        20,083,000
<LOANS>                                     89,434,404
<ALLOWANCE>                                  1,119,968
<TOTAL-ASSETS>                             159,279,166
<DEPOSITS>                                 140,222,489
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            778,833
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     4,924,110
<OTHER-SE>                                  13,353,734
<TOTAL-LIABILITIES-AND-EQUITY>             159,279,166
<INTEREST-LOAN>                              5,852,543
<INTEREST-INVEST>                            2,489,323
<INTEREST-OTHER>                               236,540
<INTEREST-TOTAL>                             8,578,406
<INTEREST-DEPOSIT>                           4,403,829
<INTEREST-EXPENSE>                           4,403,829
<INTEREST-INCOME-NET>                        4,174,577
<LOAN-LOSSES>                                  400,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,338,313
<INCOME-PRETAX>                              1,691,809
<INCOME-PRE-EXTRAORDINARY>                   1,332,934
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,332,934
<EPS-BASIC>                                       2.65
<EPS-DILUTED>                                     2.65
<YIELD-ACTUAL>                                    3.78
<LOANS-NON>                                    387,363
<LOANS-PAST>                                   174,289
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                561,652
<ALLOWANCE-OPEN>                             1,661,521
<CHARGE-OFFS>                                1,419,522
<RECOVERIES>                                   477,969
<ALLOWANCE-CLOSE>                            1,119,968
<ALLOWANCE-DOMESTIC>                         1,119,968
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>