<TABLE> <S> <C>

<ARTICLE>                                                       9
<MULTIPLIER>                                                1,000
<CIK>                                                  0000921590
<NAME>                                  VALLEY FINANCIAL CORP/VA/
       
<S>                                                   <C>
<PERIOD-TYPE>                                               9-MOS
<FISCAL-YEAR-END>                                     DEC-31-1998
<PERIOD-START>                                        JAN-01-1998
<PERIOD-END>                                          SEP-30-1998
<CASH>                                                      3,240
<INT-BEARING-DEPOSITS>                                         21
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                28,038
<INVESTMENTS-CARRYING>                                          0
<INVESTMENTS-MARKET>                                            0
<LOANS>                                                    66,468
<ALLOWANCE>                                                   653
<TOTAL-ASSETS>                                             99,840
<DEPOSITS>                                                 81,949
<SHORT-TERM>                                                2,891
<LIABILITIES-OTHER>                                           994
<LONG-TERM>                                                 5,000
<COMMON>                                                    9,091
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                      0
<TOTAL-LIABILITIES-AND-EQUITY>                             99,840
<INTEREST-LOAN>                                             3,580
<INTEREST-INVEST>                                           1,202
<INTEREST-OTHER>                                              116
<INTEREST-TOTAL>                                            4,898
<INTEREST-DEPOSIT>                                          2,374
<INTEREST-EXPENSE>                                          2,559
<INTEREST-INCOME-NET>                                       2,339
<LOAN-LOSSES>                                                 194
<SECURITIES-GAINS>                                             10
<EXPENSE-OTHER>                                             1,656
<INCOME-PRETAX>                                               675
<INCOME-PRE-EXTRAORDINARY>                                    675
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                  480
<EPS-PRIMARY>                                                0.50
<EPS-DILUTED>                                                0.50
<YIELD-ACTUAL>                                               3.73
<LOANS-NON>                                                     2
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                              459
<CHARGE-OFFS>                                                   0
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                             653
<ALLOWANCE-DOMESTIC>                                          653
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                       653
        

</TABLE>