<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, 1999 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE SIX MONTHS
ENDED JUNE 30, 1999 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-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                         798,522
<INT-BEARING-DEPOSITS>                       5,669,816
<FED-FUNDS-SOLD>                            10,825,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 29,624,198
<INVESTMENTS-CARRYING>                      16,755,504
<INVESTMENTS-MARKET>                        16,658,502
<LOANS>                                     84,987,675
<ALLOWANCE>                                 (1,629,663)
<TOTAL-ASSETS>                             152,423,423
<DEPOSITS>                                 134,343,657
<SHORT-TERM>                                   263,688
<LIABILITIES-OTHER>                            439,824
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,117,710
<OTHER-SE>                                   9,791,990
<TOTAL-LIABILITIES-AND-EQUITY>             152,423,423
<INTEREST-LOAN>                              3,852,638
<INTEREST-INVEST>                            1,676,572
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,529,210
<INTEREST-DEPOSIT>                           2,815,497
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        2,713,713
<LOAN-LOSSES>                                   56,721
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,579,388
<INCOME-PRETAX>                              1,251,123
<INCOME-PRE-EXTRAORDINARY>                     939,571
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   939,571
<EPS-BASIC>                                     1.84
<EPS-DILUTED>                                     1.84
<YIELD-ACTUAL>                                    7.37
<LOANS-NON>                                          0
<LOANS-PAST>                                   300,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,643,202
<CHARGE-OFFS>                                   72,360
<RECOVERIES>                                     2,154
<ALLOWANCE-CLOSE>                            1,629,663
<ALLOWANCE-DOMESTIC>                         1,629,663
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>