<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM  10-QSB FOR  CARDINAL  FINANCIAL  CORPORATION  FOR THE
PERIOD ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE
FINANCIAL STATEMENTS AND OTHER INFORMATION CONTAINED IN THE FORM 10-QSB.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                               4,180
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                    20,378
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          4,620
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             81,444
<ALLOWANCE>                                            869
<TOTAL-ASSETS>                                     115,925
<DEPOSITS>                                          80,010
<SHORT-TERM>                                         6,000
<LIABILITIES-OTHER>                                    185
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             4,243
<OTHER-SE>                                          25,487
<TOTAL-LIABILITIES-AND-EQUITY>                     115,925
<INTEREST-LOAN>                                      1,529
<INTEREST-INVEST>                                       88
<INTEREST-OTHER>                                       287
<INTEREST-TOTAL>                                     1,904
<INTEREST-DEPOSIT>                                     655
<INTEREST-EXPENSE>                                     751
<INTEREST-INCOME-NET>                                1,153
<LOAN-LOSSES>                                          143
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      2,376
<INCOME-PRETAX>                                      (942)
<INCOME-PRE-EXTRAORDINARY>                           (942)
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         (942)
<EPS-BASIC>                                         (0.22)
<EPS-DILUTED>                                       (0.22)
<YIELD-ACTUAL>                                        7.77
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       726
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      869
<ALLOWANCE-DOMESTIC>                                   869
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                 87



</TABLE>