<TABLE> <S> <C>

<ARTICLE>    9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT MARCH 31,
2000 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE THREE MONTHS ENDED
MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1

<S>                                  <C>
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       2,315,191
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,990,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 36,652,696
<INVESTMENTS-CARRYING>                      20,138,329
<INVESTMENTS-MARKET>                        19,021,945
<LOANS>                                     87,437,429
<ALLOWANCE>                                  1,573,813
<TOTAL-ASSETS>                             157,053,032
<DEPOSITS>                                 138,093,639
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            791,584
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,119,110
<OTHER-SE>                                  13,048,699
<TOTAL-LIABILITIES-AND-EQUITY>             157,053,032
<INTEREST-LOAN>                              1,958,625
<INTEREST-INVEST>                              808,482
<INTEREST-OTHER>                               129,863
<INTEREST-TOTAL>                             2,896,970
<INTEREST-DEPOSIT>                           1,453,306
<INTEREST-EXPENSE>                           1,454,814
<INTEREST-INCOME-NET>                        1,442,156
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                713,811
<INCOME-PRETAX>                                686,295
<INCOME-PRE-EXTRAORDINARY>                     525,746
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   525,746
<EPS-BASIC>                                     1.03
<EPS-DILUTED>                                     1.03
<YIELD-ACTUAL>                                    3.76
<LOANS-NON>                                          0
<LOANS-PAST>                                 1,556,052
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,661,521
<CHARGE-OFFS>                                  228,410
<RECOVERIES>                                    20,702
<ALLOWANCE-CLOSE>                            1,573,813
<ALLOWANCE-DOMESTIC>                         1,573,813
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>