<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-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<EXCHANGE-RATE>                                    1.00000
<CASH>                                             2,086
<INT-BEARING-DEPOSITS>                                17
<FED-FUNDS-SOLD>                                       1
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        9,819
<INVESTMENTS-CARRYING>                            12,104
<INVESTMENTS-MARKET>                              11,781
<LOANS>                                           76,625
<ALLOWANCE>                                          736
<TOTAL-ASSETS>                                   104,708
<DEPOSITS>                                        88,154
<SHORT-TERM>                                       4,864
<LIABILITIES-OTHER>                                  941
<LONG-TERM>                                          470
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
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<OTHER-SE>                                         9,312
<TOTAL-LIABILITIES-AND-EQUITY>                   104,708
<INTEREST-LOAN>                                    1,657
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<INTEREST-DEPOSIT>                                   821
<INTEREST-EXPENSE>                                   891
<INTEREST-INCOME-NET>                              1,118
<LOAN-LOSSES>                                          0
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<INCOME-PRETAX>                                      367
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<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         247
<EPS-BASIC>                                         0.25
<EPS-DILUTED>                                       0.25
<YIELD-ACTUAL>                                      4.64
<LOANS-NON>                                            0
<LOANS-PAST>                                           0
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<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                     764
<CHARGE-OFFS>                                         35
<RECOVERIES>                                           7
<ALLOWANCE-CLOSE>                                    736
<ALLOWANCE-DOMESTIC>                                 736
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                               72





</TABLE>