<TABLE> <S> <C>

<ARTICLE>                        9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CARDINAL
BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT DECEMBER 31, 1999 AND
THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31, 1999
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                       3,775,280
<INT-BEARING-DEPOSITS>                       2,000,000
<FED-FUNDS-SOLD>                             6,975,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 33,213,933
<INVESTMENTS-CARRYING>                      19,169,099
<INVESTMENTS-MARKET>                        18,815,351
<LOANS>                                     89,346,446
<ALLOWANCE>                                 (1,661,521)
<TOTAL-ASSETS>                             158,140,485
<DEPOSITS>                                 139,807,664
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            575,224
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,117,710
<OTHER-SE>                                  13,439,909
<TOTAL-LIABILITIES-AND-EQUITY>             158,140,485
<INTEREST-LOAN>                              7,706,722
<INTEREST-INVEST>                            2,676,750
<INTEREST-OTHER>                               676,499
<INTEREST-TOTAL>                            11,059,971
<INTEREST-DEPOSIT>                           5,603,020
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        5,456,951
<LOAN-LOSSES>                                  141,721
<SECURITIES-GAINS>                               4,768
<EXPENSE-OTHER>                              3,086,332
<INCOME-PRETAX>                              2,614,853
<INCOME-PRE-EXTRAORDINARY>                   2,614,853
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,965,133
<EPS-BASIC>                                     3.84
<EPS-DILUTED>                                     3.84
<YIELD-ACTUAL>                                    3.74
<LOANS-NON>                                  1,826,688
<LOANS-PAST>                                   975,373
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,668,201
<CHARGE-OFFS>                                  161,873
<RECOVERIES>                                    13,472
<ALLOWANCE-CLOSE>                            1,661,521
<ALLOWANCE-DOMESTIC>                         1,661,521
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>