<TABLE> <S> <C>


<ARTICLE>                     9
<CIK>                         0000814178
<NAME>                        First National Bankshares Corporation
<MULTIPLIER>                  1,000
<CURRENCY>                    U.S. DOLLARS


<S>                                            <C>
<PERIOD-TYPE>                                        9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<EXCHANGE-RATE>                                    1.00000
<CASH>                                               2,049
<INT-BEARING-DEPOSITS>                                   5
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          9,475
<INVESTMENTS-CARRYING>                              11,101
<INVESTMENTS-MARKET>                                10,971
<LOANS>                                             88,807
<ALLOWANCE>                                            785
<TOTAL-ASSETS>                                     114,665
<DEPOSITS>                                          91,951
<SHORT-TERM>                                        10,631
<LIABILITIES-OTHER>                                    921
<LONG-TERM>                                            462
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               965
<OTHER-SE>                                           9,733
<TOTAL-LIABILITIES-AND-EQUITY>                     114,665
<INTEREST-LOAN>                                      5,426
<INTEREST-INVEST>                                      973
<INTEREST-OTHER>                                        27
<INTEREST-TOTAL>                                     6,426
<INTEREST-DEPOSIT>                                   2,619
<INTEREST-EXPENSE>                                   2,948
<INTEREST-INCOME-NET>                                3,478
<LOAN-LOSSES>                                           50
<SECURITIES-GAINS>                                      (3)
<EXPENSE-OTHER>                                      2,536
<INCOME-PRETAX>                                      1,202
<INCOME-PRE-EXTRAORDINARY>                             804
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           804
<EPS-BASIC>                                           0.83
<EPS-DILUTED>                                         0.83
<YIELD-ACTUAL>                                        4.56
<LOANS-NON>                                            390
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       764
<CHARGE-OFFS>                                           55
<RECOVERIES>                                            26
<ALLOWANCE-CLOSE>                                      785
<ALLOWANCE-DOMESTIC>                                   785
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  2





</TABLE>