<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS FOR INDEPENDENT BANKSHARES, INC.
FOR THE SIX MONTH ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                      17,901,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            24,818,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 40,344,000
<INVESTMENTS-CARRYING>                     102,723,000<F1>
<INVESTMENTS-MARKET>                       101,443,000<F1>
<LOANS>                                    183,162,000<F2>
<ALLOWANCE>                                  2,203,000
<TOTAL-ASSETS>                             351,588,000
<DEPOSITS>                                 310,758,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          1,782,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       583,000
<OTHER-SE>                                  25,465,000
<TOTAL-LIABILITIES-AND-EQUITY>             351,588,000
<INTEREST-LOAN>                              8,714,000
<INTEREST-INVEST>                            3,056,000
<INTEREST-OTHER>                               621,000
<INTEREST-TOTAL>                            12,931,000
<INTEREST-DEPOSIT>                           5,135,000
<INTEREST-EXPENSE>                           5,135,000
<INTEREST-INCOME-NET>                        7,256,000
<LOAN-LOSSES>                                  510,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              7,086,000
<INCOME-PRETAX>                              1,225,000
<INCOME-PRE-EXTRAORDINARY>                   1,225,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   803,000
<EPS-BASIC>                                       0.36
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    4.68
<LOANS-NON>                                    115,000
<LOANS-PAST>                                   733,000
<LOANS-TROUBLED>                               144,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,866,000
<CHARGE-OFFS>                                   85,000
<RECOVERIES>                                    22,000
<ALLOWANCE-CLOSE>                            2,203,000
<ALLOWANCE-DOMESTIC>                         2,203,000<F3>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        203,000
<FN>
<F1> Includes investments held-for-sale
<F2> Net of unearned income on installment loans of 224,000
<F3> Includes unallocated portion of allowance
</FN>



</TABLE>