<TABLE> <S> <C>


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

<S>                                            <C>
<PERIOD-TYPE>                                        3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<EXCHANGE-RATE>                                    1.00000
<CASH>                                             2,696
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                   3,178
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       10,064
<INVESTMENTS-CARRYING>                             9,993
<INVESTMENTS-MARKET>                               9,998
<LOANS>                                           67,984
<ALLOWANCE>                                          751
<TOTAL-ASSETS>                                    97,087
<DEPOSITS>                                        80,190
<SHORT-TERM>                                         665
<LIABILITIES-OTHER>                                  926
<LONG-TERM>                                        5,484
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                             965
<OTHER-SE>                                         8,857
<TOTAL-LIABILITIES-AND-EQUITY>                    97,087
<INTEREST-LOAN>                                    1,458
<INTEREST-INVEST>                                    271
<INTEREST-OTHER>                                      49
<INTEREST-TOTAL>                                   1,778
<INTEREST-DEPOSIT>                                   718
<INTEREST-EXPENSE>                                   815
<INTEREST-INCOME-NET>                                963
<LOAN-LOSSES>                                          0
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                      775
<INCOME-PRETAX>                                      297
<INCOME-PRE-EXTRAORDINARY>                           201
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         201
<EPS-PRIMARY>                                       1.04
<EPS-DILUTED>                                       1.04
<YIELD-ACTUAL>                                      4.31
<LOANS-NON>                                          453
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                     103
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     766
<CHARGE-OFFS>                                         34
<RECOVERIES>                                          19
<ALLOWANCE-CLOSE>                                    751
<ALLOWANCE-DOMESTIC>                                 751
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                              244

        

</TABLE>