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

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   SEP-30-1999
<CASH>                                               3,005
<INT-BEARING-DEPOSITS>                              36,256
<FED-FUNDS-SOLD>                                    24,328
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          6,872
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             44,497
<ALLOWANCE>                                            613
<TOTAL-ASSETS>                                      82,910
<DEPOSITS>                                          41,175
<SHORT-TERM>                                         3,000
<LIABILITIES-OTHER>                                  1,037
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             4,243
<OTHER-SE>                                          27,455
<TOTAL-LIABILITIES-AND-EQUITY>                      82,910
<INTEREST-LOAN>                                      1,581
<INTEREST-INVEST>                                      333
<INTEREST-OTHER>                                       939
<INTEREST-TOTAL>                                     2,853
<INTEREST-DEPOSIT>                                     735
<INTEREST-EXPENSE>                                     785
<INTEREST-INCOME-NET>                                2,068
<LOAN-LOSSES>                                          401
<SECURITIES-GAINS>                                      12
<EXPENSE-OTHER>                                      5,551
<INCOME-PRETAX>                                     (3,086)
<INCOME-PRE-EXTRAORDINARY>                          (3,086)
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        (3,086)
<EPS-BASIC>                                        (0.73)
<EPS-DILUTED>                                        (0.73)
<YIELD-ACTUAL>                                        6.24
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                       212
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                      613
<ALLOWANCE-DOMESTIC>                                   613
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>