<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 NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANICAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      16,924,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            28,478,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 99,598,000
<INVESTMENTS-CARRYING>                      99,598,000<F1>
<INVESTMENTS-MARKET>                        99,598,000<F1>
<LOANS>                                    181,218,000<F2>
<ALLOWANCE>                                  5,251,000
<TOTAL-ASSETS>                             373,802,000
<DEPOSITS>                                 311,311,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          5,815,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       568,000
<OTHER-SE>                                  45,207,000
<TOTAL-LIABILITIES-AND-EQUITY>             373,802,000
<INTEREST-LOAN>                             13,188,000
<INTEREST-INVEST>                            4,480,000
<INTEREST-OTHER>                             1,098,000
<INTEREST-TOTAL>                            18,766,000
<INTEREST-DEPOSIT>                           7,857,000
<INTEREST-EXPENSE>                           7,857,000
<INTEREST-INCOME-NET>                       10,909,000
<LOAN-LOSSES>                                2,068,000
<SECURITIES-GAINS>                              39,000
<EXPENSE-OTHER>                             13,072,000
<INCOME-PRETAX>                             (1,884,000)
<INCOME-PRE-EXTRAORDINARY>                  (1,884,000)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                (1,910,000)
<EPS-BASIC>                                      (0.84)
<EPS-DILUTED>                                    (0.84)
<YIELD-ACTUAL>                                    4.76
<LOANS-NON>                                    247,000
<LOANS-PAST>                                   413,000
<LOANS-TROUBLED>                             1,568,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,833,000
<CHARGE-OFFS>                                1,064,000
<RECOVERIES>                                    86,000
<ALLOWANCE-CLOSE>                            5,251,000
<ALLOWANCE-DOMESTIC>                         5,251,000<F3>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        386,000
<FN>
<F1>Includes investments held for-sale
<F2>Net of unearned income on installment loans of 175,000
<F3>Includes unallocated portion of allowance
</FN>


</TABLE>