<TABLE> <S> <C>

<ARTICLE>                        9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CARDINAL BANKSHARES AND SUBSIDIARIES CONSOLIDATED BALANCE SHEET AT DECEMBER 30,
1998 AND THE CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED
DECEMBER 31, 1998 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-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       2,985,331
<INT-BEARING-DEPOSITS>                       7,100,000
<FED-FUNDS-SOLD>                            11,825,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 25,981,443
<INVESTMENTS-CARRYING>                      15,347,979
<INVESTMENTS-MARKET>                        15,741,038
<LOANS>                                     87,477,707
<ALLOWANCE>                                (1,688,201)
<TOTAL-ASSETS>                             153,409,703
<DEPOSITS>                                 135,211,060
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            877,518
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,119,110
<OTHER-SE>                                  12,202,015
<TOTAL-LIABILITIES-AND-EQUITY>             153,409,703
<INTEREST-LOAN>                              8,034,738
<INTEREST-INVEST>                            2,469,612
<INTEREST-OTHER>                               765,140
<INTEREST-TOTAL>                            11,269,490
<INTEREST-DEPOSIT>                           5,797,887
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                        5,471,603
<LOAN-LOSSES>                                  175,000
<SECURITIES-GAINS>                              27,315
<EXPENSE-OTHER>                              3,065,748
<INCOME-PRETAX>                              2,720,220
<INCOME-PRE-EXTRAORDINARY>                   2,720,220
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,938,852
<EPS-PRIMARY>                                     3.79
<EPS-DILUTED>                                     3.79
<YIELD-ACTUAL>                                    3.91
<LOANS-NON>                                     66,251
<LOANS-PAST>                                   343,225
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,452,126
<CHARGE-OFFS>                                   76,842
<RECOVERIES>                                   117,917
<ALLOWANCE-CLOSE>                            1,668,201
<ALLOWANCE-DOMESTIC>                         1,668,201
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>