<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-31-1997
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   SEP-30-1998
<EXCHANGE-RATE>                                1.00000
<CASH>                                          2,029
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                4,330
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     6,740
<INVESTMENTS-CARRYING>                         10,108
<INVESTMENTS-MARKET>                           10,129
<LOANS>                                        68,604
<ALLOWANCE>                                       776
<TOTAL-ASSETS>                                 95,714
<DEPOSITS>                                     78,555
<SHORT-TERM>                                    1,225
<LIABILITIES-OTHER>                               844
<LONG-TERM>                                     5,490
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          965
<OTHER-SE>                                      8,635
<TOTAL-LIABILITIES-AND-EQUITY>                 95,714
<INTEREST-LOAN>                                 4,767
<INTEREST-INVEST>                                 753
<INTEREST-OTHER>                                  172
<INTEREST-TOTAL>                                5,692
<INTEREST-DEPOSIT>                              2,217
<INTEREST-EXPENSE>                              2,536
<INTEREST-INCOME-NET>                           3,156
<LOAN-LOSSES>                                     449
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 2,405
<INCOME-PRETAX>                                   652
<INCOME-PRE-EXTRAORDINARY>                        472
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      472
<EPS-PRIMARY>                                    2.45
<EPS-DILUTED>                                    2.44
<YIELD-ACTUAL>                                   4.73                                 
<LOANS-NON>                                       425
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  636
<CHARGE-OFFS>                                     346
<RECOVERIES>                                       37
<ALLOWANCE-CLOSE>                                 776
<ALLOWANCE-DOMESTIC>                              776
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           101
        


</TABLE>