<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-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   SEP-30-1999
<EXCHANGE-RATE>                                    1.00000
<CASH>                                               2,885
<INT-BEARING-DEPOSITS>                                 105
<FED-FUNDS-SOLD>                                     3,931
<TRADING-ASSETS>                                                                                                        0
<INVESTMENTS-HELD-FOR-SALE>                         14,305
<INVESTMENTS-CARRYING>                              13,014
<INVESTMENTS-MARKET>                                12,753
<LOANS>                                             72,088
<ALLOWANCE>                                            632
<TOTAL-ASSETS>                                     109,602
<DEPOSITS>                                          94,283
<SHORT-TERM>                                         3,907
<LIABILITIES-OTHER>                                    911
<LONG-TERM>                                            477
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               965
<OTHER-SE>                                           9,059
<TOTAL-LIABILITIES-AND-EQUITY>                     109,602
<INTEREST-LOAN>                                      4,510
<INTEREST-INVEST>                                      953
<INTEREST-OTHER>                                       225
<INTEREST-TOTAL>                                     5,688
<INTEREST-DEPOSIT>                                   2,261
<INTEREST-EXPENSE>                                   2,534
<INTEREST-INCOME-NET>                                3,154
<LOAN-LOSSES>                                           80
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,388
<INCOME-PRETAX>                                      1,028
<INCOME-PRE-EXTRAORDINARY>                             687
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           687
<EPS-BASIC>                                         0.71
<EPS-DILUTED>                                         0.71
<YIELD-ACTUAL>                                        4.35
<LOANS-NON>                                            141
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       766
<CHARGE-OFFS>                                          258
<RECOVERIES>                                            44
<ALLOWANCE-CLOSE>                                      632
<ALLOWANCE-DOMESTIC>                                   632
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                145



</TABLE>