<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE ANNUAL
REPORT ON FORM  10-KSB FOR  CARDINAL  FINANCIAL  CORPORATION  FOR THE YEAR ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL
STATEMENTS CONTAINED IN SUCH REPORT.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                           DEC-31-1999
<PERIOD-END>                                DEC-31-1999
<CASH>                                            6,018
<INT-BEARING-DEPOSITS>                           47,543
<FED-FUNDS-SOLD>                                 13,025
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                       4,807
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                          68,167
<ALLOWANCE>                                         726
<TOTAL-ASSETS>                                   97,033
<DEPOSITS>                                       59,873
<SHORT-TERM>                                      6,000
<LIABILITIES-OTHER>                                 415
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          4,243
<OTHER-SE>                                       26,502
<TOTAL-LIABILITIES-AND-EQUITY>                   97,033
<INTEREST-LOAN>                                   2,661
<INTEREST-INVEST>                                   406
<INTEREST-OTHER>                                  1,263
<INTEREST-TOTAL>                                  4,330
<INTEREST-DEPOSIT>                                1,207
<INTEREST-EXPENSE>                                1,305
<INTEREST-INCOME-NET>                             3,025
<LOAN-LOSSES>                                       514
<SECURITIES-GAINS>                                    4
<EXPENSE-OTHER>                                   7,870
<INCOME-PRETAX>                                  (4,039)
<INCOME-PRE-EXTRAORDINARY>                       (4,039)
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     (4,039)
<EPS-BASIC>                                       (0.95)
<EPS-DILUTED>                                     (0.95)
<YIELD-ACTUAL>                                     6.57
<LOANS-NON>                                           0
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                    212
<CHARGE-OFFS>                                         0
<RECOVERIES>                                          0
<ALLOWANCE-CLOSE>                                   726
<ALLOWANCE-DOMESTIC>                                726
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                              75



</TABLE>