<TABLE> <S> <C>

<ARTICLE>                       9
<NAME>                          VIRGINIA FINANCIAL CORPORATION
<CIK>                           0001036070
<MULTIPLIER>                     1,000
       
<PERIOD-TYPE>                                                 3-MOS
<FISCAL-YEAR-END>                                           DEC-31-1998
<PERIOD-START>                                              JAN-01-1998
<PERIOD-END>                                                MAR-31-1998
<CASH>                                                           15,480
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                 12,050
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      52,135
<INVESTMENTS-CARRYING>                                           55,347
<INVESTMENTS-MARKET>                                             55,478
<LOANS>                                                         271,615
<ALLOWANCE>                                                       3,827
<TOTAL-ASSETS>                                                  412,831
<DEPOSITS>                                                      363,147
<SHORT-TERM>                                                      5,190
<LIABILITIES-OTHER>                                               2,113
<LONG-TERM>                                                           0
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<COMMON>                                                         20,000
<OTHER-SE>                                                       22,381
<TOTAL-LIABILITIES-AND-EQUITY>                                  412,831
<INTEREST-LOAN>                                                   6,036
<INTEREST-INVEST>                                                 1,553
<INTEREST-OTHER>                                                     61
<INTEREST-TOTAL>                                                  7,650
<INTEREST-DEPOSIT>                                                3,395
<INTEREST-EXPENSE>                                                3,477
<INTEREST-INCOME-NET>                                             4,173
<LOAN-LOSSES>                                                       238
<SECURITIES-GAINS>                                                    0
<EXPENSE-OTHER>                                                   2,464
<INCOME-PRETAX>                                                   2,398
<INCOME-PRE-EXTRAORDINARY>                                        2,398
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                      1,632
<EPS-PRIMARY>                                                      0.41
<EPS-DILUTED>                                                      0.41
<YIELD-ACTUAL>                                                     8.10
<LOANS-NON>                                                         931
<LOANS-PAST>                                                        632
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                       0
<ALLOWANCE-OPEN>                                                  3,753
<CHARGE-OFFS>                                                       176
<RECOVERIES>                                                         12
<ALLOWANCE-CLOSE>                                                 3,827
<ALLOWANCE-DOMESTIC>                                              3,223
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                             604


</TABLE>