<TABLE> <S> <C>

<ARTICLE> 9
<CIK> 0001036070
<NAME> VIRGINIA FINANCIAL CORPORATION
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1997
<PERIOD-START>                             JAN-01-1996             JAN-01-1997
<PERIOD-END>                               DEC-31-1996             MAR-31-1997
<CASH>                                          16,287                  14,563
<INT-BEARING-DEPOSITS>                         279,115                 283,193
<FED-FUNDS-SOLD>                                     0                   3,650
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     50,658                  50,165
<INVESTMENTS-CARRYING>                          68,141                  63,601
<INVESTMENTS-MARKET>                            67,816                  62,835
<LOANS>                                        232,913                 237,100
<ALLOWANCE>                                      3,039                   3,092
<TOTAL-ASSETS>                                 377,113                 378,565
<DEPOSITS>                                     330,375                 333,471
<SHORT-TERM>                                     8,110                   4,770
<LIABILITIES-OTHER>                              1,055                   2,036
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        20,000                  10,000
<OTHER-SE>                                      17,574                  28,287
<TOTAL-LIABILITIES-AND-EQUITY>                 377,113                 378,565
<INTEREST-LOAN>                                 20,250                   5,260
<INTEREST-INVEST>                                6,980                   1,666
<INTEREST-OTHER>                                    91                       9
<INTEREST-TOTAL>                                27,321                   6,935
<INTEREST-DEPOSIT>                              12,406                   3,037
<INTEREST-EXPENSE>                              12,684                   3,121
<INTEREST-INCOME-NET>                           14,637                   3,814
<LOAN-LOSSES>                                      450                      75
<SECURITIES-GAINS>                                   6                       0
<EXPENSE-OTHER>                                  8,679                   2,283
<INCOME-PRETAX>                                  8,056                   2,309
<INCOME-PRE-EXTRAORDINARY>                       8,056                   2,309
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     5,542                   1,582
<EPS-PRIMARY>                                     2.77                    0.79
<EPS-DILUTED>                                     2.77                    0.79
<YIELD-ACTUAL>                                    7.41                    7.92
<LOANS-NON>                                        194                     177
<LOANS-PAST>                                       248                     474
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,786                   3,039
<CHARGE-OFFS>                                      268                      30
<RECOVERIES>                                        71                       8
<ALLOWANCE-CLOSE>                                3,039                   3,092
<ALLOWANCE-DOMESTIC>                             2,625                   2,731
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            414                     361
        

</TABLE>