<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, 1999 AND IS  QUALIFIED  IN ITS  ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                        1000
                                                     
<S>                                                 <C>
<PERIOD-TYPE>                                       3-MOS
<FISCAL-YEAR-END>                                   DEC-31-1999
<PERIOD-END>                                        DEC-31-1999
<CASH>                                                        1762
<INT-BEARING-DEPOSITS>                                       19893
<FED-FUNDS-SOLD>                                             25967
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                   8155
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                      22041
<ALLOWANCE>                                                    281
<TOTAL-ASSETS>                                               60342
<DEPOSITS>                                                   25932
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                            390
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4240
<OTHER-SE>                                                   29780
<TOTAL-LIABILITIES-AND-EQUITY>                               60342
<INTEREST-LOAN>                                                355
<INTEREST-INVEST>                                              131
<INTEREST-OTHER>                                               321
<INTEREST-TOTAL>                                               807
<INTEREST-DEPOSIT>                                             200
<INTEREST-EXPENSE>                                             200
<INTEREST-INCOME-NET>                                          539
<LOAN-LOSSES>                                                   68
<SECURITIES-GAINS>                                              11
<EXPENSE-OTHER>                                               1409
<INCOME-PRETAX>                                               (824)
<INCOME-PRE-EXTRAORDINARY>                                    (824)
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                  (824)
<EPS-PRIMARY>                                                (0.19)
<EPS-DILUTED>                                                (0.19)
<YIELD-ACTUAL>                                                5.89
<LOANS-NON>                                                      0
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                               212
<CHARGE-OFFS>                                                    0
<RECOVERIES>                                                     0
<ALLOWANCE-CLOSE>                                              281
<ALLOWANCE-DOMESTIC>                                           281
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
                                                     

</TABLE>