<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 JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                       1,000

<S>                                                <C>
<PERIOD-TYPE>                                      6-MOS
<FISCAL-YEAR-END>                                  DEC-31-1999
<PERIOD-END>                                       JUN-30-1999
<CASH>                                                        1572
<INT-BEARING-DEPOSITS>                                       22544
<FED-FUNDS-SOLD>                                             24191
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                   6648
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                      31645
<ALLOWANCE>                                                    401
<TOTAL-ASSETS>                                               68105
<DEPOSITS>                                                   31133
<SHORT-TERM>                                                  3000
<LIABILITIES-OTHER>                                           1019
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                      4240
<OTHER-SE>                                                   28713
<TOTAL-LIABILITIES-AND-EQUITY>                               68105
<INTEREST-LOAN>                                                829
<INTEREST-INVEST>                                              233
<INTEREST-OTHER>                                               644
<INTEREST-TOTAL>                                              1706
<INTEREST-DEPOSIT>                                             425
<INTEREST-EXPENSE>                                             425
<INTEREST-INCOME-NET>                                         1281
<LOAN-LOSSES>                                                  189
<SECURITIES-GAINS>                                              12
<EXPENSE-OTHER>                                               3280
<INCOME-PRETAX>                                              (1831)
<INCOME-PRE-EXTRAORDINARY>                                   (1831)
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                 (1831)
<EPS-BASIC>                                                (0.43)
<EPS-DILUTED>                                                (0.43)
<YIELD-ACTUAL>                                                5.99
<LOANS-NON>                                                      0
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                               212
<CHARGE-OFFS>                                                    0
<RECOVERIES>                                                     0
<ALLOWANCE-CLOSE>                                              401
<ALLOWANCE-DOMESTIC>                                           401
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>